बिखौ बुजाय दि स्करा रां होनाय जारिमिन, रां होनोगोनां, दाहार लानाय जारिमिननि गोलावथि, गोदान दाहार आरो बावैसो बेखेवनाय एकाउन्ट आरो बेहाय थानाय दाहारनि रोखोमफोरनि सायाव थि खालामनाय जायो।
Explain that the score is based on payment history, amounts owed, length of credit history, new credit and recently opened accounts, and types of credit in use.