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Your FICO® Scores take into account five essential factors, which serve as key ingredients in their calculation.
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FICO® Scores are derived from a myriad of credit data points present in your credit reports. However, they primarily focus on five key categories of information.
Payment History — 35% of a FICO® Score.
Your FICO® Score heavily weighs how you've handled past bill payments. Late or missed payments, particularly if recent or frequent, can significantly impact your score.
Amount of Debt — 30% of a FICO® Score.
Credit usage and debt levels are vital FICO® Score factors. Specific considerations include total balance owed, number of accounts with balances, and credit utilization.
Length of Credit History — 15% of a FICO® Score.
FICO® Scores factor in the length of your credit history, encompassing the age of your oldest account, the average age of all accounts, and the age of specific account types.
New Credit — 10% of a FICO® Score.
Your FICO® Scores factor in new credit activity, including the number of recent account openings and whether you've been shopping for a single loan or multiple credit lines. Opening several new accounts quickly signals higher credit risk.
Credit Mix — 10% of a FICO® Score.
FICO® Scores consider diverse credit accounts like credit cards, loans, and mortgages. Credit mix matters more when your report lacks sufficient data for scoring