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Score Factors

Many different factors affect your credit score and each will vary depending on what credit scoring system is used.

Credit Score Factors

Each credit scoring system uses mathematical algorithms to generate a rating to help lenders better assess your creditworthiness. Credit scoring systems can consider hundreds of factors from your credit history when calculating a score. Some of the most common include:

  • Credit history
  • Payment history
  • Public records
  • Utilization rate
  • New accounts
  • Number of inquiries

Not Enough Activity to Generate Credit Score

May 8, 2013

Dear Experian, Recently we were told my husband’s credit report with Experian was not reporting and that his credit score is not available. We received a message that says “Factor...

Authorized User Accounts and Credit Scores

April 24, 2013

Dear Experian, Do items on my credit report in which I am listed as an "authorized user" contribute to my score? - DRH

Lack of Mortgage Loan as Credit Score Risk Factor

November 21, 2012

Dear Experian, I was looking at my credit report and it stated, "You do not have a mortgage account in good standing.” What does this mean? I do not own...

Checking Your Credit Report Will Not Hurt Your Score

July 4, 2012

Dear Experian, Will checking my own credit report through Experian lower my score? - MZN

Lack of Revolving Accounts Hurt Credit Score

February 15, 2012

Dear Experian, My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card? -...