How many new accounts or "hard inquiries" you have recently made. 10%
While specific criteria vary by lender, general benchmarks for a 300–850 range include: 800+ Very Good: 740 – 799 Good: 670 – 739 Fair: 580 – 669 Poor: 300 – 579 credit score information
What is a credit score? | Consumer Financial Protection Bureau How many new accounts or "hard inquiries" you
The variety of accounts you have (e.g., credit cards vs. student loans). ✅ What is a "Good" Score? student loans)
The total debt you have and your (how much of your limit you use). Length of Credit History 15% How long your accounts have been open. New Credit 10%
The most common scoring model, the , uses five main categories of data from your credit reports to determine your number. What it measures Payment History 35% Your track record of on-time or late payments. Amounts Owed 30%