<|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 person's credit score on numerous factors, including payment history, credit utilization, credit mix, and length of credit history. Unfortunately, some of these factors are easily abused and can lead to an increased credit risk. Excessive application for credit, over-the-limit charges, late payments, and unpaid debt can all have a severe negative effect on an individual's credit score. By being vigilant, consumers can safeguard their credit score and protect themselves against any abusive practices.