FICO Scores

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 below. The charts below reflect how important each of the categories is in determining your FICO score.



  • 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), and how many items are past due
  • Amount past due on delinquent accounts or collection items

Amounts Owned

  • Amount owing on accounts and numbers of accounts with balances
  • Amount owing on specific type of accounts
  • Lack of a specific type of balance, in some cases

Length of Credit History

  • Time since accounts opened
  • Time since accounts opened, by specific type of account
  • Time since account activity

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