chao xin the nhung nha bank ko cho va gui giay noi nhu vay the key factors that adversaly affected your credit score are

derogatorry public record orcollection filed
too few accounts currently paid as agreed
proportion of balances to credit limits on bank/ national revolving or other revolving account is too high
length of time accounts have been establisshed
too many inquiries last 12 months
cach day 2 thang 689 bay gio chi co 619 nho` bac giup do tieng mi chao cung ko hay lam cam on bac truoc