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

Brookenic84
New Contributor

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




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2 REPLIES 2
Caardvark
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
Shooting-For-800
Senior 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  -  $400k unsecured credit in 2021.

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

5% 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 - Flagship, Synchrony, Evergreen, & Venture


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