: Having a variety of account types, such as credit cards and installment loans, can positively impact your score.

: Your record of making timely payments on bills and debt is the most influential factor.

: For major purchases like a mortgage, you can purchase your official FICO score directly from myFICO.com to see exactly what creditors will view. Factors That Influence Your Score

: Also known as credit utilization; lenders prefer you use less than 30% of your total available credit.

Getting your credit score involves accessing a numerical rating of your creditworthiness, which lenders use to determine your likelihood of repaying debt.

: The average age of all your accounts; older accounts demonstrate long-term stability.