Your Credit Score Factors Analysis
FICO uses percentages to represent how important each category generally is, but the exact percentage breakdown used to determine your credit score will depend on your unique credit report. FICO considers scoring factors in the following order:
New Credit
10% of your score
Opening several new accounts in a short period can lower your score.
Length of History
15% of your score
Longer credit histories generally help boost your score.
Credit Mix
10% of your score
Having different types of credit can improve your score.
Payment History
35% of your score
Your record of paying bills on time has the largest impact on your credit score.
Credit Utilization
30% of your score
How much of your available credit you're using affects your score significantly.
GET STARTED WITH 2 SIMPLE STEPS
STEP 1
Sign Up with Smart Credit
STEP 2
Pay For Your Credit Analysis
MONTHLY PACKAGE
WHAT'S INCLUDED?
Credit Analysis
Unlimited Disputes
24/7 Client Portal Access
Email/Text Notifications
Credit Resources & Education
Credit Building
Money Back Guarantee if
No Deletions in 120 Days
BASIC PACKAGE
WHAT'S INCLUDED?
4 MONTHS
Credit Analysis
Unlimited Disputes
24/7 Client Portal Access
Email/Text Notifications
Credit Resources & Education
Credit Building
Money Back Guarantee if
No Deletions in 120 Days
ULTIMATE PACKAGE
WHAT'S INCLUDED?
6 MONTHS
Credit Analysis
Unlimited Disputes
24/7 Client Portal Access
Email/Text Notifications
Credit Resources & Education
Credit Building
Money Back Guarantee if
No Deletions in 120 Days
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