35 PercentPayment History: 35/100

Looks at whether you pay your bills on time and if you have any collection items such as bankruptcies or foreclosures.

10 PercentCredit Mix: 10/100

Takes into consideration different types of credit you have such as credit cards, retail accounts, installment loans, finance company accounts and mortgage loans.

10 PercentNew Credit: 10/100

Analyzes how many new accounts you’ve opened along with recent inquiries into your credit.

15 PercentCredit History: 15/100

Based on the length of time each account has been open and the length of time since the account’s most recent action.

30 PercentAmounts Owed: 30/100

Combination of how much you currently owe and how much of your credit limit you’ve used.