Acreditscore 〈QUICK · CHEAT SHEET〉

Your score is a weighted calculation of five specific financial behaviors:

: Older accounts are better. Keep longstanding accounts open, even if you don't use them frequently. acreditscore

A "solid" credit score is generally any number above , though top-tier rates typically require a score of 740 or higher . Achieving and maintaining this score is a process of managing the five core components of the FICO scoring model , which is used by 90% of top lenders. 1. Master the FICO Factors Your score is a weighted calculation of five

: This measures your "credit utilization"—how much of your total available limit you are using. Aim to keep this below 30%. Achieving and maintaining this score is a process

: Lenders like to see a variety of credit types, such as a mix of revolving credit (credit cards) and installment loans (mortgages, auto loans).