FICO Scores are calculated from the credit data in your credit report. This data is grouped into five categories; the chart below shows the relative importance of each category. 35% - Payment history: Whether you've paid past credit accounts on time 30% - Amounts owed: The amount of credit and loans you are using 15% - Length of credit history: How long you've had credit 10% - New credit: Frequency of credit inquiries and new account openings 10% - Credit mix: The mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans Find out more about how a FICO Score is calculated at ficoscore.com/education/.