{"id":1708,"date":"2025-10-22T13:05:14","date_gmt":"2025-10-22T13:05:14","guid":{"rendered":"https:\/\/toolstecique.com\/?p=1708"},"modified":"2025-10-22T13:05:16","modified_gmt":"2025-10-22T13:05:16","slug":"credit-score-calculation","status":"publish","type":"post","link":"https:\/\/toolstecique.com\/ar\/credit-score-calculation\/","title":{"rendered":"\u0643\u064a\u0641 \u064a\u062a\u0645 \u062d\u0633\u0627\u0628 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u061f \u0627\u0644\u0635\u064a\u063a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629"},"content":{"rendered":"<p data-block-id=\"95cf8999-4cc9-4985-a714-ea38fd43ddcf\">\u0625\u0646\u0651 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643 \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u0631\u0642\u0645 \u0639\u0634\u0648\u0627\u0626\u064a\u060c \u0628\u0644 \u0647\u064a \u0627\u0646\u0639\u0643\u0627\u0633 \u0644\u0639\u0627\u062f\u0627\u062a\u0643 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data-block-id=\"ad069f2f-e2ea-4186-b951-823dd569bd79\">\u064a\u0642\u064a\u0633 \u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u0627\u062d \u0627\u0644\u0630\u064a \u062a\u0633\u062a\u062e\u062f\u0645\u0647 \u0641\u0639\u0644\u064a\u0627\u064b. \u0648\u064a\u062a\u0645 \u062d\u0633\u0627\u0628 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0643\u0644 \u0628\u0637\u0627\u0642\u0629 \u0639\u0644\u0649 \u062d\u062f\u0629\u060c \u0648\u0643\u0630\u0644\u0643 \u0644\u062c\u0645\u064a\u0639 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u062c\u062a\u0645\u0639\u0629.<\/p>\n<p data-block-id=\"69cb292e-82cc-424c-9105-9afd7375d92a\">\u0627\u0644\u062d\u0633\u0627\u0628 \u0628\u0633\u064a\u0637: \u0625\u0630\u0627 \u0643\u0627\u0646 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\u0628\u0643<\/em> (<a class=\"decorated-link\" href=\"https:\/\/www.citizensbank.com\/learning\/credit-score-calculation.aspx?utm_source=chatgpt.com\" target=\"_new\" rel=\"noopener\" data-start=\"4699\" data-end=\"4776\">\u0645\u0635\u062f\u0631<\/a>).<\/p>\n<p data-block-id=\"2fcbcbef-52ed-4f0c-aca1-33126aa32d66\">\u062a\u0633\u062a\u062e\u062f\u0645 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0628\u062f\u064a\u0644\u0629\u060c \u062a\u0634\u0645\u0644 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0641\u0642 \u0627\u0644\u0639\u0627\u0645\u0629\u060c \u0648\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u060c \u0648\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0644\u0627 \u062a\u0632\u0627\u0644 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\u0644\u0644\u0645\u0628\u0644\u063a<\/p>\n<\/li>\n<li>\n<p data-block-id=\"9f28db1c-c260-4804-b033-bd90a080edea\">\u0627\u062f\u0641\u0639 \u0642\u0628\u0644 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642\u060c \u0648\u0644\u064a\u0633 \u0641\u064a \u064a\u0648\u0645 \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642.<\/p>\n<\/li>\n<li>\n<p data-block-id=\"e9fc13b8-c854-4104-abb0-8801e72519b7\">\u0627\u062a\u0635\u0644 \u0628\u0627\u0644\u062f\u0627\u0626\u0646\u064a\u0646 \u0641\u0648\u0631\u0627\u064b \u0625\u0630\u0627 \u0644\u0645 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u0641\u0639\u0629<\/p>\n<\/li>\n<\/ul>\n<p data-block-id=\"260ce4af-1e16-4e40-9a0a-036c2dd04994\"><strong>\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645:<\/strong><\/p>\n<p data-pm-slice=\"1 1 []\">\u0627\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0623\u062f\u0646\u0627\u0647 <strong>10%<\/strong> \u062a\u062d\u062f\u064a\u062f \u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0646\u062f \u0627\u0644\u0625\u0645\u0643\u0627\u0646. \u0633\u0627\u0631\u064a \u0627\u0644\u0645\u0641\u0639\u0648\u0644 <a title=\"null\" href=\"https:\/\/toolstecique.com\/ar\/freelancers-expense-tracking\/\">\u062a\u062a\u0628\u0639 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646<\/a> \u064a\u064f\u0639\u062f\u0651 \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u0623\u0633\u0627\u0633\u064a\u0627\u064b \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0647\u0630\u0647 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u0645\u064f\u0628\u0644\u063a \u0639\u0646\u0647\u0627.<\/p>\n<ul data-block-id=\"935d3a49-7a23-4b92-9440-5c2374e068e1\">\n<li>\n<p data-block-id=\"b97961d3-4212-4b77-9252-251614e9ab7a\">\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0631\u0635\u064a\u062f\u0643 \u0623\u0642\u0644 \u0645\u0646 10% \u0645\u0646 \u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0643\u0644\u0645\u0627 \u0623\u0645\u0643\u0646 \u0630\u0644\u0643<\/p>\n<\/li>\n<li>\n<p data-block-id=\"b3d9f007-b82c-4c33-8546-2be0b211d529\">\u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u062f\u0641\u0639\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0634\u0647\u0631\u064a\u064b\u0627 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u0645\u064f\u0628\u0644\u063a \u0639\u0646\u0647\u0627<\/p>\n<\/li>\n<li>\n<p data-block-id=\"36ef8d56-02ec-428f-93db-e5af02c2afc0\">\u0627\u0637\u0644\u0628 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a 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\u062d\u0633\u0627\u0628 \u062f\u0631\u062c\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u064a\u0632\u064a\u0644 \u0627\u0644\u063a\u0645\u0648\u0636 \u0639\u0646 \u062a\u062d\u0633\u064a\u0646\u0647\u0627. \u0648\u0631\u063a\u0645 \u0623\u0646 \u0627\u0644\u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0627\u0644\u062f\u0642\u064a\u0642\u0629 \u062a\u0628\u0642\u0649 \u0633\u0631\u064a\u0629\u060c \u0641\u0625\u0646 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u064a\u0645\u0646\u062d\u0643 \u062e\u0637\u0648\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u064a\u0645\u0643\u0646\u0643 \u0627\u062a\u062e\u0627\u0630\u0647\u0627.<\/p>\n<p data-block-id=\"9439c71e-0a1a-49b7-987a-4f5b0fb6bca6\">\u062a\u0630\u0643\u0631 \u0623\u0646 \u062a\u062d\u0633\u064a\u0646 \u0633\u062c\u0644 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\u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629<\/a> \u0648\u0625\u062f\u0627\u0631\u0629 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u062a\u0641\u064a\u062f\u0643 \u0644\u0633\u0646\u0648\u0627\u062a.<\/p>\n<h3 data-start=\"944\" data-end=\"974\"><strong>\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629\u00a0<\/strong><\/h3>\n<p><strong data-start=\"979\" data-end=\"1039\">\u0645\u0627 \u0647\u064a \u0646\u0637\u0627\u0642\u0627\u062a \u062f\u0631\u062c\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u0645\u0627\u0630\u0627 \u062a\u0639\u0646\u064a\u061f<\/strong><\/p>\n<p>\u062a\u062a\u0631\u0627\u0648\u062d \u062f\u0631\u062c\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u064a\u0646 300 \u0648850\u060c \u062d\u064a\u062b \u062a\u0634\u064a\u0631 \u0627\u0644\u062f\u0631\u062c\u0627\u062a \u0627\u0644\u0623\u0639\u0644\u0649 \u0625\u0644\u0649 \u0648\u0636\u0639 \u0645\u0627\u0644\u064a \u0623\u0641\u0636\u0644. \u0648\u062a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u062f\u0631\u062c\u0627\u062a \u0628\u064a\u0646 300 \u0648579 \u0636\u0639\u064a\u0641\u0629\u060c \u0648\u0628\u064a\u0646 580 \u0648669 \u0645\u0642\u0628\u0648\u0644\u0629\u060c \u0648\u0628\u064a\u0646 670 \u0648739 \u062c\u064a\u062f\u0629\u060c \u0648\u0628\u064a\u0646 740 \u0648799 \u062c\u064a\u062f\u0629 \u062c\u062f\u064b\u0627\u060c \u0648\u0628\u064a\u0646 800 \u0648850 \u0645\u0645\u062a\u0627\u0632\u0629.<br \/>\n<strong style=\"font-size: inherit;\" data-start=\"1257\" data-end=\"1309\"><br \/>\n\u0643\u064a\u0641 \u064a\u0624\u062b\u0631 \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong><\/p>\n<p>\u064a\u064f\u0639\u062f\u0651 \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u0647\u0645\u060c \u0625\u0630 \u064a\u064f\u0634\u0643\u0651\u0644 35% \u0645\u0646 \u0645\u062c\u0645\u0648\u0639 \u0646\u0642\u0627\u0637\u0643. \u062a\u064f\u062d\u0633\u0651\u0646 \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0646\u0642\u0627\u0637\u0643\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u064f\u0624\u062f\u064a \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0623\u062e\u0631\u0629 \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0644\u062d\u0648\u0638\u060c \u062e\u0627\u0635\u0629\u064b \u0625\u0630\u0627 \u062a\u062c\u0627\u0648\u0632\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 30 \u064a\u0648\u0645\u064b\u0627.<\/p>\n<p><strong data-start=\"1529\" data-end=\"1585\">\u0645\u0627 \u0647\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u0644\u0645\u0627\u0630\u0627 \u0647\u0648 \u0645\u0647\u0645\u061f<\/strong><\/p>\n<p>\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0647\u064a \u0646\u0633\u0628\u0629 \u0631\u0635\u064a\u062f \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0625\u0644\u0649 \u062d\u062f\u0651\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u064a\u064f\u0639\u062a\u0628\u0631 \u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0642\u0644 \u0645\u0646 30% \u0645\u062b\u0627\u0644\u064a\u064b\u0627. \u064a\u0624\u062b\u0631 \u0627\u0631\u062a\u0641\u0627\u0639 \u0646\u0633\u0628\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0633\u0644\u0628\u064b\u0627 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u060c \u0644\u0623\u0646\u0647 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u0639\u062a\u0645\u0627\u062f\u0643 \u0627\u0644\u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n<p><strong data-start=\"1815\" data-end=\"1868\">\u0643\u0645 \u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u064a\u0633\u062a\u063a\u0631\u0642 \u062a\u062d\u0633\u064a\u0646 \u062a\u0635\u0646\u064a\u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong><\/p>\n<p>\u062a\u062d\u0633\u064a\u0646 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u064a\u0633\u062a\u063a\u0631\u0642 \u0648\u0642\u062a\u0627\u064b. \u0641\u0628\u064a\u0646\u0645\u0627 \u0642\u062f \u062a\u0638\u0647\u0631 \u0646\u062a\u0627\u0626\u062c \u0628\u0639\u0636 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a\u060c \u0645\u062b\u0644 \u062a\u0642\u0644\u064a\u0644 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0641\u064a \u063a\u0636\u0648\u0646 \u0634\u0647\u0631 \u0623\u0648 \u0634\u0647\u0631\u064a\u0646\u060c \u0641\u0625\u0646 \u0628\u0646\u0627\u0621 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0642\u0648\u064a \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0639\u062f\u0629 \u0623\u0634\u0647\u0631 \u0623\u0648 \u062d\u062a\u0649 \u0633\u0646\u0648\u0627\u062a.<\/p>\n<p><strong data-start=\"2079\" data-end=\"2137\">\u0647\u0644 \u064a\u0624\u062b\u0631 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628\u0627\u062a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0648\u0636 \u0645\u062a\u0639\u062f\u062f\u0629 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f<\/strong><\/p>\n<p>\u0646\u0639\u0645\u060c \u0642\u062f \u064a\u0624\u062f\u064a \u0641\u062a\u062d \u0639\u062f\u0629 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0633\u0631\u0639\u0629 \u0625\u0644\u0649 \u0627\u0644\u0625\u0636\u0631\u0627\u0631 \u0628\u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0628\u0633\u0628\u0628 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u0645\u0639 \u0630\u0644\u0643\u060c \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0644\u0646\u0641\u0633 \u0646\u0648\u0639 \u0627\u0644\u0642\u0631\u0636 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0642\u0635\u064a\u0631\u0629\u060c \u0641\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u064f\u062d\u062a\u0633\u0628 \u0643\u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u0627\u062d\u062f.<\/p>\n<p>\u0627\u0642\u0631\u0623 \u0623\u064a\u0636\u0627\u064b: <a href=\"https:\/\/toolstecique.com\/ar\/freelancer-financial-mindset\/\">\u062a\u0646\u0645\u064a\u0629 \u0639\u0642\u0644\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0646\u0627\u062c\u062d\u0629: \u0637\u0631\u064a\u0642\u0643 \u0646\u062d\u0648 \u0627\u0644\u0646\u062c\u0627\u062d \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062d\u0631<\/a><\/p>\n<p data-block-id=\"e581f56a-b87f-4b8e-a003-d6fcd18a2fed\"><strong>\u0627\u0644\u0645\u0631\u0627\u062c\u0639:<\/strong><\/p>\n<ul data-block-id=\"410dc2eb-2243-4cff-9492-09c3bce726e1\" data-pm-slice=\"3 3 []\">\n<li>\n<p data-block-id=\"9fd1aaf2-128a-47f8-9cef-8199bd02b467\">\u00a0 \u00a0<a href=\"https:\/\/www.equifax.com\/personal\/education\/credit\/credit-score-articles\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/a><\/p>\n<\/li>\n<li>\n<p data-block-id=\"9b889336-2554-41ca-9a93-8a61d8da7bb9\">\u00a0<a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/credit-utilization-ratio\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"> \u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0633\u064a\u0646 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u0628\u0642\u0627\u0621 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0642\u0644 \u0645\u0646 30%.<\/a><\/p>\n<\/li>\n<li>\n<p data-block-id=\"c92c25fc-7ab8-49fa-aa4f-cbdcee5c89e4\">\u00a0 <a href=\"https:\/\/www.creditkarma.com\/advice\/i\/credit-score-myths\">\u062e\u0631\u0627\u0641\u0627\u062a \u0648\u062d\u0642\u0627\u0626\u0642 \u062d\u0648\u0644 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u00a0<\/a><\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p data-block-id=\"1103ef4d-c544-46e6-afe5-28fc88b7db47\">","protected":false},"excerpt":{"rendered":"<p>Your credit score isn\u2019t a random number. It reflects your financial habits. Knowing how this three-digit number is calculated can [&hellip;]<\/p>","protected":false},"author":2,"featured_media":1710,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[516],"tags":[652,651,649,648,650,626,623,610,613,611,621,627,619,608,618],"class_list":["post-1708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-boost-your-credit","tag-credit-card-management","tag-credit-history","tag-credit-management","tag-credit-repair","tag-credit-report","tag-credit-score","tag-credit-score-factors","tag-credit-score-tips","tag-credit-utilization","tag-debt-management","tag-fico-score","tag-financial-health","tag-improve-credit-score","tag-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit Score Calculation: How It&#039;s Determined and What It Means<\/title>\n<meta name=\"description\" content=\"Learn how your credit score is calculated and how factors like payment history and credit utilization impact your financial health.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/toolstecique.com\/ar\/credit-score-calculation\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Is a Credit Score Calculated? 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