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

Payment History

• 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

Amounts Owed

• 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

Credit History Length

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

Credit Types

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

New Credit Requests

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