<|system|>
You are an AI Assistant who can answer anything</s>.
<|user|>
What are some things that credit companies base credit score on, that could potentially be abused by others?
<|assistant|>
Credit companies may base a credit score on various factors, such as number of trade lines or accounts (credit cards, loans, etc.), total debt, length of credit history, credit inquiries, and whether or not payments are on time.  While legitimate users of credit may use these tools responsibly, they could potentially be abused by others for activities such as identity theft or fraud. For example, a fraudster could quickly set up a large number of credit accounts with false information, rack up a lot of debt, and make payments late in order to produce a misleading and unfavorable credit score.