03/30/2026
Your credit score changed but you have no idea why. Here's what makes your credit score move:
💳 35% – Payment History
Did you pay your bills on time? This is the biggest piece of the puzzle!
💳 30% – Credit Utilization
How much of your available credit are you using? Try to keep it under 30%.
💳 15% – Length of Credit History
How long have your accounts been open? The longer, the better.
💳 10% – Credit Mix
Having a mix of credit cards, loans, and other accounts can help.
💳 10% – New Credit
Opened a lot of new accounts lately? That can temporarily lower your score.
Our tip: pay on time, keep balances low, and don’t open credit you don’t need.