Payment history
Whether accounts are paid on time. Missed payments can matter for years.
The five score factors
The percentages below are a common FICO framework. Your exact score can differ because lenders use different models and credit bureaus may hold different information.
Amounts owed
How much available revolving credit you use. Lower is generally better.
Credit age
How long your accounts have been open, including the average account age.
New credit
Recent applications and newly opened accounts can temporarily weigh on a score.
Credit mix
Experience handling different account types can help, but never borrow just for variety.