Credit Info

What actually moves your score.

The five factors

The five factors

35%

Payment History

Whether you pay your accounts on time. The single biggest factor.

30%

Credit Utilization

How much of your available revolving credit you're using. Target under 30%.

15%

Length of History

Average age of your accounts. Closing old cards can hurt here.

10%

Credit Mix

A healthy blend of revolving and installment accounts.

10%

New Credit

Recent hard inquiries and new account openings.

Score ranges, decoded

300–579
Poor
580–669
Fair
670–739
Good
740–799
Very Good
800–850
Exceptional

Find out where your score really stands.

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