Credit Score Program
Score Factor
1. Payment history
2. Credit utilization
3. Age of credit
4. Account diversity
5. Hard inquiries
Portion
35%
30%
15%
10%
10%
Points
192.5
165
82.5
55
55
On-Time Payment History
Open accounts
Total payment history
Late/missed payments
Desired on-time ratio
(click rating below)
<97%
97%
98%
99%
100%
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Credit Utilization
Total Credit Balances
Total Credit Limits
Desired utilization ratio
(click rating below)
Empty
75%+
50-74%
30-49%
10-29%
0-9%
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Age Of Credit
Total Credit Balance
Age of oldest credit account
(in months)
Desired credit age
(in years)
(click rating below)
Empty
<2 yrs
2-5 yrs
5-7 yrs
7-9 yrs
9+ yrs
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Submit