Payment history
Commonly weighted: 35%On-time payments, delinquencies, collections and public records can influence commonly used models.
Know what is—and is not—in your credit score.
Learn how reports are organized and which common factors may affect scoring models.
Amounts owed
Commonly weighted: 30%Balances, utilization and the number of accounts carrying balances may be considered.
Length of history
Commonly weighted: 15%Account age and the time since activity can contribute to a score.
Credit mix
Commonly weighted: 10%Models may consider experience with different types of accounts.
New credit
Commonly weighted: 10%Recent applications, inquiries and newly opened accounts may have an effect.
Your rights
You may dispute information you believe is inaccurate directly with a reporting bureau at no charge.
What appears in a credit report?
- Identifying information
- Credit accounts and payment history
- Hard, soft and account-review inquiries
- Collections and eligible public records
Practical habits
- Pay bills by their due dates
- Keep revolving balances manageable
- Open new accounts only when needed
- Review reports and document genuine errors
READING YOUR REPORT
What information should you review?
Check identifying details, account ownership, balances, payment history, account status, inquiries and eligible public records. Keep copies of supporting documents when something appears incomplete or inaccurate.
You can dispute an error directly with the reporting agency at no charge.
WHAT SCORES DO NOT MEASURE
A score is not a complete financial profile.
Common scoring models generally do not use protected personal characteristics such as race, religion, nationality, sex or marital status. A lender may evaluate additional information separately from a credit score.
ASK A CREDIT QUESTION