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