What actually makes up your FICO score
Five factors, five different weights. Knowing the math tells you exactly where to spend your effort.
FICO has published the rough weights of the five inputs that drive your score for years: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). VantageScore uses similar inputs with slightly different weights, but the priorities are the same.
Payment history is the heaviest input because lenders care most about whether you actually pay. One 30-day late drops a healthy score by 60 to 110 points. The good news: late marks fade as they age, and removing even one verifiable inaccurate late mark can produce a big score jump.
The rest of this is inside the portal
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