FICOSCORE
http://en.wikipedia.org/wiki/FICO
35%, punctuality of payment in the past (only includes payments later than 30 days past due)
30%, the amount of debt, expressed as the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits)
15%, length of credit history
10%, types of credit used (installment, revolving, consumer finance)
10%, recent search for credit and/or amount of credit obtained recently
VANTAGESCORE
http://en.wikipedia.org/wiki/VantageScore
32%, Payment History (i.e. how timely and consistent your payments are)
23%, Credit Utilization (i.e. debt-to-credit ratios and how much credit is available)
15%, Credit Balances (i.e. what your total debt is; most likely, delinquent debt is counted more harshly than current debt)
13%, Depth of Credit (i.e. ratio and number of various types of credit such as revolving accounts, loans, etc.)
10%, Recent Credit (i.e. how recent and many new hard inquiries and new accounts there are)
7%, Available Credit (i.e. how much credit can be accessed, for example, could you spend $50,000 of credit tonight or within the next week).
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