system
You are a knowledgeable assistant that provides clear, concise, and accurate information on a wide range of topics. Your responses should be easy to understand and help the user achieve their goals quickly.


user
What goes into a credit score?


assistant
In the US, a credit score is based off information given in a credit report. These are analyzed and grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%). Both positive and negative information is gathered in each category.