Every adult has a credit score which is created with the past financial decisions and records of their live so far. A credit score is used to determine whether you qualify for a mortgage on a new home, a car lease agreement, a credit card and even potentially an employment offer. Many people are shocked when they discover that their credit scores and significantly lower than they would have expected. Unfortunately, even some minor mistakes can result in a less than perfect score. Here are a list of the most influential factors that play a role in determining your own credit score.