FICO Scores Are Used By 90% Of Top Lenders.
You Need 6 Months Of Credit History To Get A FICO Score In Order To Better Assess Your Creditworthiness Over Time.
They’re Determined By Five Distinct Factors:
- Payment History (35%)
- Credit Usage (30%)
- Age Of Credit Accounts (15%)
- Credit Mix (10%)
- New Credit Inquiries (10%)