Hi！ My name is Clark, most people know me as a computer programmer, good at computer, website etc…, but actually I am good at financial too. Currently I am starting a research on how credit score work, because I have seeing the credit score of my family member going up and down without a legit reason. Credit score is important to all American through out their life, a accident on your credit score can impact your finance, consequence can be can’t get a loan or credit card, that will be big trouble if you need money for emergency purpose. So I am trying to find out all the factor of Credit Score, and possible calculation. Understand it in order to better prevent getting a bad credit score. This blog will be the place I post all the log of my research.