Five factors are involved in evaluating what’s contained in your credit score. They each weigh on your credit score differently:
Payment history looks at how consistently you pay monthly payments: 35 percent.
Debt utilization ratio figures the debt you’re holding against the debt you have with all your available credit: 30 percent.
How long you have used your credit figures in next: 15 percent.
How many times your credit profile has been viewed during the past year to consider the debt you’ve taken on: 10 percent.
The type of credit you are using (mortgage, car loan versus high-interest store cards): 10 percent.