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Credit Reports

  1. 10% – Types of Credit in Use
    • What kinds of credit accounts you have, and how many of each.
  2. 10% – New Credit
    • Number of new accounts you have
    • How long since you opened a new account
    • Number of Inquiries and how recent
      -Special Cases for Inquiries
    • Whether you have a good recent credit history following past payment problems.
  3. 15% – Length of Credit History
    • How long have you had accounts? General & specific.
    • How long has it been since you used certain accounts.
  4. 30% – Amounts Owed
    • Amount owed on all accounts
    • Amount owed on installment, revolving, & mortgage
    • Amount of accounts that have balances & how high
  5. 35% – Payment History
    • Revolving, installment, mortgage
    • Public record or collection items
    • Late or missed payments
    • Number of accounts with no late payments