<|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|>
Some of the factors that impact a credit score can be abused by others. This includes having too much credit applied for, having too many recent inquiries, not paying bills on time, having high balances on credit cards, having too many accounts open, and defaulting on loans. If too many of these factors are present, it could significantly decrease a person's credit score and make it more difficult to borrow money.