The factors are, in decreasing order of weight: - Credit card utilization (balance as a percentage of available credit at last statement close) - On-time paym

The factors are, in decreasing order of weight: - Credit card utilization (balance as a percentage of available credit at last statement close) - On-time payments (you just have to pay the minimum required by the date specified for it to count) - Derogatory marks (collections, bankruptcies, foreclosures and liens) - Average age of accounts (this favors older people who have been using credit a long time but not opening a lot of accounts recently) - Total number of accounts (also rewards a mixture of types - car, student, credit card, mortgage, etc) - Hard inquiries (very slightly dings your score if you're currently looking for credit, punishes you harder if you're desperately applying to everything you can find because this indicates financial emergency and therefore high risk). https://www.creditkarma.com/article/credit-score-factors https://www.creditkarma.com/article/credit-score-factors If you use CreditKarma, it'll explain all this and how the values on your credit report fit in to the averages.