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What is the biggest part of your credit card Fico score?

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What is the biggest part of your credit card Fico score?

After digging around in these forums it seems to be inquiries. I have some sub prime cards and am itching to get rid of them. Especially verve card with their ten dollar a month and 100 annual fee.
December 2018






As of 3/25/2019




Message 1 of 3
2 REPLIES 2
Frequent Contributor

Re: What is the biggest part of your credit card Fico score?

Payment History - 35%

 

ce_FICO-Score-chart.png


Message 2 of 3
Valued Contributor

Re: What is the biggest part of your credit card Fico score?

Percentage of debt to available credit and payment history

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                    5%-20% - Amazon & Lowes                3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl         4% Dining & Entertain - Savor            3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver





    
Message 3 of 3
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