Almost 60 percent of people don't know what determines a credit score, according to Visa. Below, the top five factors people think matter - but don't - and five that really do. Plus: 13 Things Your Financial Adviser Won't Tell You
| WHAT DOESN'T MATTER |
|
WHAT DOES MATTER |
| Employment history |
|
Paying on time |
| Interest rates on debt |
|
Amounts you owe |
| Assets/savings |
|
How long you've had credit |
| Age |
|
New accounts and credit checks |
| Where you live |
|
The number and type of accounts |
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