Like whether you’ve paid the loans you have on time.
Payment History
35%
FICO Score
Breakdown
Payment history
Amounts owed
Length of credit history
Credit mix
New credit
How much credit you have available vs. how much you’re using.
Amounts owed
30%
Payment history
Amounts owed
Length of credit history
Credit mix
New credit
The ages of your oldest and newest accounts and the average age of all your accounts.
Length of credit history
15%
Payment history
Amounts owed
Length of credit history
Credit mix
New credit
The types of accounts you have open. Think: credit cards, installment loans (hey, student debt), and mortgages.
Credit mix
10%
Payment history
Amounts owed
Length of credit history
Credit mix
New credit
Any new loans you’ve recently applied for.
New credit
10%
Payment history
Amounts owed
Length of credit history
Credit mix
New credit
35%
30%
15%
10%
10%