FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined in the chart. The percentages in the chart reflect how important each of the categories are in determining your FICO score.

These percentages are based on the importance of the five categories for the general population. The importance of these categories may be somewhat different for particular groups. For example, people with new credit or those who have not been using credit for very long.

Payment History

• Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.).
• Presence of adverse public records (bankruptcy, judgments, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items).
• Severity of delinquency (how long past due).
• Amount past due on delinquent accounts or collection items.
• Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any).
• Number of accounts paid as agreed.
• Number of past due items on file.

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