FACTOR |
WEIGHT |
POINTS |
Payment History Bankruptcies, late payments, past due accounts and wage attachments collections, judgments |
35% |
315 |
Amounts Owed Amount owed on accounts, proportion of balance to total credit limit |
30% |
270 |
Length of Credit History Time since accounts opened, time since account activity |
15% |
135 |
New Credit Number of recent inquiries, number of recently opened accounts |
10% |
90 |
Types of Credit Number of various types of accounts (credit cards, retail cards, mortgage, line of credit, loans, etc.) |
10% |
90 |
POTENTIAL TOTAL |
100% |
900 |