Accounts
All information from your credit account is calculated, including repayment history, credit limits, account type and when you opened and closed your credit accounts. A good score would typically have a variety of accounts opened for a few years, with no missed payments and lower credit limits.
Enquiries
Your credit score considers your enquiries, including account type, requested limit, enquiry date and industry. Generally, the more enquiries you have in a short time period, the lower your score will be.
Insights
This is any credit information about you that can be found publicly, including bankruptcies, court actions, debt agreements and personal insolvency agreements. To maintain a good score, it is best to avoid these.
Adverse Information
This includes defaults, relationships with specialty finance providers and serious credit infringements. Avoiding these will ensure your credit score doesn't drop and increase your credit eligibility.