35% Payment History
HOW OFTEN DO YOU PAY YOUR ACCOUNTS ON TIME?
Late payments could possible lead to a lower score.
30% Amounts Owed
HOW MUCH OF YOUR TOTAL CREDIT HAVE YOU USED?
Less is more! Lowering debt can be the key to a better credit score.
10% New Credit
HAVE YOU OPENED ANY NEW CREDIT LINES LATELY?
Opening several accounts in a short time can lower your credit score.
10% Types of Credit Used
DO YOU HAVE MORE THAN ONE LINE OF CREDIT?
Having experience with different types of credit can help your score.
15% Length of History
HOW LONG HAVE YOU HAD CREDIT HISTORY?
A longer history of responsible credit use will likely lead to a higher score.