- 35% Payment history
- 30% Debt-to-credit ratio (the balance you carry on credit cards)
- 15% Length of credit history
- 10% Different types of credit (cc, mortgage, car loan, etc.)
- 10% New credit accounts or Inquiries (I hate this one)
*Photo source: http://www.buyingcharlestonrealestate.com/blog/what-makes-up-a-fico-credit-score.html#.U8mvPPldW5Q
*Photo source: http://www.schwabmoneywise.com/public/moneywise/money_basics/credit_debt/understanding_your_credit_score.html
Information as of July 2014.