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Equifax Credit Score Criterion
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Post Equifax Credit Score Criterion 
What information is used in calculating my FICOŽ score?

Payment history (approximately 35% of your score is based on this category):

Payment information on accounts such as Visa, MasterCard, American Express, and Discover; retail department store accounts; installment loans; finance company accounts, and mortgage loans
Public record and collection items such as bankruptcies, foreclosures, wage attachments, liens, judgments, and delinquencies reported to collection agencies
Details on late or missed payments, public record items, and collection items (particularly how late the payments were, how much was owed, and how recently and frequently it occurred)
How many accounts show no late payments

Amounts owed (approximately 30% of your score is based on this category):

The amount owed on all accounts
The amount owed on different types of accounts
Whether you are showing a balance on certain type of accounts
The number of accounts with balances
How much of the total credit line is being used on credit cards and other revolving credit accounts
How much of the installment loan account is currently owed, compared with the original loan amount

Length of credit history (approximately 15% of your score is based on this category):

How long your credit accounts have been established (the score considers both the age of your oldest account and an average age of all your accounts)
How long specific credit accounts have been established
How long it has been since you used certain accounts

New credit (approximately 10% of your score is based on this category):

How many new accounts you have
How long it has been since you opened a new account
How many recent requests for credit you have made, as indicated by inquiries to credit reporting companies, in connection with transactions initiated by you (the score does not take into account requests a creditor has made for your credit file or score in order to make a pre-approved credit offer, or to review your account with them, nor does it take into account your request for a copy of your credit file)
Length of time since creditors made credit file inquiries
Whether you have a good recent credit history, following past payment problems

Type of credit used (approximately 10% of your score is based on this category):

What kinds of credit accounts you have and how many of each

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