What's in my FICO® Score?
35% payment history, 30% amount you owe, 15% length of credit history, 10% new credit opened, 10% credit mix.
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FICO® Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).
Your FICO® Scores consider both positive and negative information in your credit report. The percentages in the chart reflect how important each of the categories is in determining how your FICO® Scores are calculated.
What Your Score Means to Lenders
Poor well below average, Fair below average, Good near average, Very Good above average, Exceptional well above average.
