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What information goes into my credit score?

Ever wonder what information is actually on your credit report and how your score is calculated? Here's a breakdown of these factors and how they are weighted. 

A typical credit score is made up of factors which include:

  • Payment history (Percentage of on-time payments)
  • Debts referred to collection, foreclosure or bankruptcy or repossessions and the age of these accounts
  • How much of your available credit you are using
  • How long your accounts have been open
  • Total number of accounts
  • The type of accounts you have
  • Total hard credit inquiries

Due to the fact that there are many credit scoring formulas available, there is no "one" credit score. The score given will depend on the formula used by that particular reporting agency and the data used to calculate it. Not every lender reports your information to all three of the credit bureaus, so there is likely to be some fluctuation between the three scores. If there are errors on what is reported, your score may be reduced unnecessarily. For this reason, it is very important to review your credit report information to ensure that it is all accurate.

To review your credit report and learn more for free, some in to any of our 12 branch locations and ask to review your credit. Be on the lookout for our next article in December on common credit report errors and what to look for on your report.



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