What makes up your FICO score?

• Scores Range From 300 To 900
• Scoring Is Based On Deductive Methodology
• Percentage Weights:
  • 35% = Frequency
  • Recency
  • Severity
• 30% = Balances: Revolving Charge Cards
• 15% = Credit History:
• How Old Is Your History
• Recent Credit
  • 10% = Type of Credit
  • Auto Loans
  • Credit Cards
  • Mortgages
• 10% = Inquiries:
• Time Counted
• Based on Credit History
• Based on Timing
• Based on Circumstances
• How Many Points?
• Public Records:
• Most Devastating To Score
  • Foreclosures
  • Bankruptcies
  • Tax Liens
  • Judgments
  • (Collections)