Monitoring your credit score is an easy way to stay in touch with your finances, think of it as having a scale in your bathroom, not only does it provide you with information about yourself, but it also can give an incentive to get off your butt and start working on it. Credit Karma doesn’t just give you your credit score, but it also breaks down your Credit factors for you. Here are the 6 credit factors Credit Karma looks at to improve your score: Credit Card Utilization: the percentage of your used credit over your available credit; Derogatory marks: missed payments, late fees…; Total accounts open: track your credit…