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695 Credit score*
*Average credit score as of 2015. Source: FICO®
15%
Length of credit history
10%
Types of credit in use
10%
New credit
35%
Payment history
30%
Amounts owed
What makes up your credit score
A credit score is typically a three-digit number based on information in your credit report that measures your risk level to lenders. It’s usually calculated using these five categories. And it can always change. That’s good if your score is on the lower side—you can take steps to improve it. The opposite is true if your score is on the higher side—a few slip ups could knock it down a notch. Scores can vary depending on the information available, so they could vary from credit bureau to credit bureau.
Stay up-to-date with your credit score
You can get a free copy of your credit report once a year from AnnualCreditReport.com.
