Payment history35%
How you have handled payments on credit accounts.
Amounts owed30%
Balances and use of available credit, among other debt measures.
Length of credit history15%
The age and history of your credit accounts.
New credit10%
Recent accounts and applications for credit.
Credit mix10%
The types of credit accounts in your history.
35% does not mean a fixed number of points.
These general weights can vary with a person’s credit profile. Categories interact, and a single change does not produce a guaranteed score increase. Different models and versions may produce different scores.
Review the underlying report for accuracy before treating a score as the complete picture.