after a whole day of staying in this forum, I found in the "understanding your fico score", the following percentage breakdown of scores: 35% - Payment history 30% - Utilization: acct. bal to cr limit ratio 15% - Established Credit History: age of each credit card/instrument 10% - Inquires: Self-explanatory 10% - Mix of Credit: Revolving, Installment, Auto, Mortgage, etc Hope this helps. Thank you myFiCO!
