Here is a percentage breakdown of the aspects of your credit report that contribute to your credit score calculation:

35% - Payment History
30% - Amounts Owed
15% - Credit History Length
10% - Credit Types
10% - New Credit Requests

• Total number of accounts
• Total number of negative records or accounts sent to collections
• Currently delinquent accounts including total number of past due items, how long payments have been past due, and time since last overdue payment

• Types of credit accounts with balances and the amount you currently owe on each
• Amount of total credit limit currently in use
• Loan payment requirements and their initial balances
• Number of accounts with no balance

• Amount of time since your first credit account was opened
• Time since last credit request was made

• Types of credit reported (credit cards, personal loans, mortgages etc...)
• The mix of account types (some of each will benefit the score)

• Number of accounts recently opened and their proportion to total accounts
• Amount of recent credit inquiries
• Time since most recent credit inquiry