What factors contribute the most to my credit score?

Your credit score is calculated using several key factors from your credit report. The main factors that contribute to your score include:

Payment History
Whether you pay your bills on time. This typically has the biggest impact, accounting for about 35% of your score.

Credit Card Use (Utilization)
The amount of available credit you're using compared to your total limits. Using more than 30% of your total available credit can negatively impact your score.

Credit Age
How long you have had credit accounts open. Longer credit histories generally help your score.

Total Accounts
The total number of credit accounts you have open and in good standing.

Hard Inquiries
Applications for new credit that result in a hard inquiry. Multiple inquiries in a short period can lower your score.

Derogatory Marks
Negative items such as late payments, collections, or bankruptcies.

Payment history and credit card use tend to have the largest impact, while factors like inquiries and total accounts typically have a smaller effect.

See Exactly How Each Factor Affects You

On your Credit Score page, all six factors are displayed in one place. Each factor includes:

• A status badge

• An impact level

• Personalized context explaining how it is affecting your score

• Specific, actionable steps you can take to improve

This makes it easier to understand not just what impacts credit scores in general, but what is impacting your score specifically.

Get Personalized Answers with AI Advisor

You can now ask questions directly from the Credit Score page, such as:

• Why did my score drop?

• What should I focus on to improve?

• What changed recently?

The AI Advisor has full context of your credit data and provides personalized, actionable insights based on your unique credit profile.

Stay Updated with Daily Credit Alerts

While your credit score updates monthly, your Credit Alerts update daily.

The Credit Alerts section provides a chronological log of activity that may impact your score, including:

• New accounts

• Hard inquiries

• Balance changes

• Derogatory marks

Daily updates allow you to monitor changes more quickly and take action sooner if needed.

Monitoring your credit regularly in the app helps you track trends, understand what is driving changes in your score, and take clear steps toward improvement.