Your Credit Score:

a)     10% - Types of Credit in Use

i)        What kinds of credit accounts you have, and how many of each.

b)     10% - New Credit

i)        Number of new accounts you have

ii)  How long since you opened a new account

iii) Number of Inquiries and how recent

-Special Cases for Inquiries

iv) Whether you have a good recent credit history following past payment problems.

                 c) 15% - Length of Credit History

i)        How long have you had accounts?  General & specific.

ii)  How long has it been since you used certain accounts.

d)     30% - Amounts Owed

i)  Amount owed on all accounts

ii)  Amount owed on installment, revolving, & mortgage

iii) Amount of accounts that have balances & how high

e)     35% - Payment History

i)   Revolving, installment, mortgage

ii)  Public record or collection items

iii) Late or missed payments

iv) Number of accounts with no late payments