Well, let's go over the summary of the pillars of scoring. You have five pillars of credit that determine your score payment history, which accounts for 35% of your score. If you have a high score the more negative effect of a late payment that a late payment will have. The amount owed, and then accounts for 30% of your score. This primarily looks at the balance and the credit usage ratio on revolving debt. Keep it under 15% your credit history, which accounts for 15% of your score.

This has to do with the age of your oldest account, and the average age of all your accounts. The last application for credit and it accounts for 10% of your score. Do not apply for multiple credit cards at one time. Lastly, The types of credit, the types of credit you have and the balance between revolving and installment debt. It accounts for 15. I'm sorry, it accounts for 10% of your score.