On-time payments are the #1 credit score factor—mix is helpful, but secondary. Information is accurate as of March 24, 2025. Editorial Note: This content is not provided by any entity covered in ...

The Barra Risk Factor Analysis was pioneered by Bar Rosenberg, founder of Barra Inc., and is discussed at length in Grinold and Kahn (2000), Conner et al (2010) and Cariño et al (2010).

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