Generally, How Does Internal Credit Score Work with Banks?

[Anonymous]

I've heard that banks also have their own internal scores. Perhaps if a customer only make minimum payments for a very long time on a large balance, it may lower their score.

[Anonymous]

Just an educated guess, but I'd think the score considers things like - do you take cash advances? Do you have funds on deposit? What is your stated income? Have you ever missed a payment? And I think they'll soft pull you once in a while to monitor your credit behavior.