• Your Payment History – 35% impact on your credit score.
  • The Balance You Owe vs. Your Available Credit Lines – 30% impact on your credit score.
  • Your Credit History, or how long your accounts have been opened – 15% impact on your credit score.
  • The type of credit that you have open – 10% impact on your score.
  • The number of recent inquiries that have been made by creditors – 10% impact on your credit score.