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FICO Score Breakdown

These percentages are based on the importance of the five categories for the general population.

Five FICO score categories

Payment History

Pioneered credit risk scoring for the financial services industry
Public record and collection items-reports of events such as bankruptcies, foreclosures, suits, wage attachments, liens and judgments.
Details on late or missed payments ("delinquencies") and public record and collectionitems.
How many accounts show no late payments.

Amounts Owed

The amount owed on all accounts
The amount owed on all accounts, and on different types of accounts.
Whether you are showing a balance on certain types of accounts
How many accounts have balances.
How much of the total credit line is being used on credit cards and other "revolving credit" accounts.
How much of installment loan accounts is still owed, compared with the original loan amounts.

Length of Credit History

How long your credit accounts have been established, in general.
How long specific credit accounts have been established.
How long it has been since you used certain accounts.

New Credit

How many new accounts you have.
How long it has been since you opened a new account.
How many recent requests for credit you have made, as indicated by inquiries to the credit reporting agencies.
Length of time since credit report inquiries were made by lenders.
Whether you have a good recent credit history, following past payment problems.

Types of Credit in Use

What kinds of credit accounts you have.
How many of each.
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