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Scoring factors

1. Payment history 35%. Good habits, pay on time.

2. Amounts Owed 30%. debt utilization radio, keep balance on your credit cards low.

3. Length of credit history (credit age) 15%. Experience matters.

4. New credit / credit inquiries 10%. Application and new accounts can bring your score down.

5. Types of credit 10%. A mix of different types of credit accounts can help earn a higher score.

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