... limitations, 111-113using credit properly, 120 - 122 divorces, 183factors that affect credit scores, 22 matching resources to, 85-86paying on time, 50-54reducing, 55-58, 86-87reducing what you ... 11potential unfairness, 11- 12 cost of, 3-5factors that affect, 21 age of accounts, 23 applications for credit, 23 debt, 22 payment histories, 21 types of credit, 24 good, determining, 18history ... 157models credit score calculations, 20 determining results, 26 -27 insurance scores, 163-164Monaghan, James E., 157, 160 money matching resources to bills and debts, 85-86monitoring credit reports,...