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credit-scores
What Factors Affect Your Credit Score?
The categories that generally influence scoring models — and why they differ.
Payment history
Whether accounts have been paid as agreed is generally the most influential category. Recent and severe delinquencies typically carry more weight than older ones.
Amounts owed and utilization
Revolving utilization compares balances to limits. Lower utilization is generally viewed more favorably, and this category can change month to month as balances change.
Account age, mix, and new credit
Longer histories, a reasonable mix of account types, and a measured pace of new applications generally support a stronger profile. None of these guarantees a specific score.
This article is general information and is not legal or financial advice. Results vary in every case.