How Your FICO Score is Determined

Here is how your FICO (credit) score is determined. The percentages below show how each area is weighted in your total score.

Payment history (ontime versus late): 35 percent

Dollar amounts owed (total amount owed on credit): 30 percent

Length of credit history (how long you have had a charge/payment history): 15 percent

New lines of credit: 10 percent

Types of credit used (credit cards, loans etc): 10 percent