1. Payment history 35%. Good habits, pay on time.
2. Amounts Owed 30%. debt utilization radio, keep balance on your credit cards low.
3. Length of credit history (credit age) 15%. Experience matters.
4. New credit / credit inquiries 10%. Application and new accounts can bring your score down.
5. Types of credit 10%. A mix of different types of credit accounts can help earn a higher score.