Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
Re: How can I get to 700 score
[ Edited ]

pdog661 wrote:
Here is a general break out of a score:

 

31% - payment history

30% Utl

15% Average age of account, and oldest account

10% inquiries (Hard Pulls only)

14% types of accounts (mortgage, credit cards, revolver loans)


 

FICO scoring is a little different:

 

ce_scorebreakdown.png

 

Definitely util (a tad high at 18%), baddies, and the new credit are a big score drain for OP.