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Not sure where to focus? Rate yourself on the five things FICO says go into your score. This tool shows which area carries the most weight for you to work on. It uses only FICO's published percentages. It can't calculate your actual score; nobody can without your credit report and FICO's formula.
Paying on time. Late payments, collections and bankruptcies count here.
How much you owe, including how much of your credit limits you're using.
How long your accounts have been open.
Recently opened accounts and recent applications.
The types of credit you have, like cards and installment loans.
Weights: myFICO, What’s in my FICO Scores (checked 2026-10-12). FICO notes the weights vary by person; for people with short histories, the mix differs.
No. It only uses FICO's published category weights to show which area matters most. Check a free score service for your actual number.
By FICO's weights, payment history (35%) and amounts owed (30%) carry the most weight.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.