WebIt varies by credit bureau. For instance, a FICO score has five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix... WebApr 3, 2024 · In contrast, here’s what goes into the VantageScore 3.0 model: Payment history: 40%. Age and type of credit: 21%. Credit utilization: 20%. Balances: 11%. …
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