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Lastly, the pursuit of new credit is generally defined as the number of hard inquiries present on your credit report. It’s more advantageous to you and your credit score if you have other credit instruments beyond credit cards, such as auto loans, home loans, student loans, HELOCs, personal loans, and so on. So if you have 2 credit cards, 1 with 5 years of history and 1 with 20 years of credit history, your average credit history length is 12.5 years.Ĭredit mix is a term used to describe the variety of different types of credit you have available to you. If you have $10,000 in available credit and spend $2,000 every month, you have a 20% credit utilization ratio.Ĭredit history length simply refers to the average length of your credit cards. Lastly, divide the total balance by the total amount of credit available. Then, add up the total monthly balances on these cards. To determine this number, you can add up the total amount of credit available to you. Outstanding debt refers to a number known as your credit utilization ratio. In simplest terms, your payment history is determined based on your reliability in making debt payments on time every month, even if you’re not paying off your bills entirely. To start, payment history is the single factor with the biggest impact. We’ll overview each of the factors in this section. Currently, there are 5 key factors that influence your FICO score. The FICO score is the most widespread type of scoring model used for consumer credit.

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