In the last few lessons, you learned that lenders use your  credit reputation to decide whether or not to lend you money, how much you can borrow, and how much interest to charge. They do this by using a mathematical model called a credit score to summarize your credit reputation. There are many different mathematical models used by different lenders, but they all consider the same five things when calculating your score. Use the quiz below to see if you understand how you can use all of these things to raise your credit score.