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What makes up my credit score?

  • Updated

Your credit score depends on multiple different factors such as;

  • Payment history (35%)
    • Have you kept up with your payments over time?
  • Credit utilization (30%)
    • Do you carry a high or low balance on your credit limit?
  • Length of credit history
    • How long have you been using your credit?
  • Credit mix
    • Do you have a diverse credit file? (Mortgage, car loan, credit cards)
  • New Credit inquiries
    • Are you applying for new loans that involve hard credit checks?


To find out more information about your credit file, contact TransUnion at 1-800-663-9980.

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