What factors are used to calculate one's credit worthiness? I believe this is a non-localized topic, so I am interested in hearing factors that are used from all over the world. It is possible that the various banks will include different factors into their individual credit rating, so it is good to know what they could use now or in the future.
I am currently aware of the following factors:
- Late payments of bills
- How stable the income is and for how long it has been stable
I do not want to turn this into a brainstorming session, so please only include factors that you know are currently being used.