FICO Weights

The FICO score is based on five different weighted factors:

* Payment history: the record of your on-time and late payments
* Available credit: your credit limit minus the amount you owe for each account
* Length of history: the time elapsed since each account was opened
* Number of inquiries: records of inquiries logged when you apply for credit
* Type of credit: mortgages, installment loans, revolving accounts, etc.

Each of these factors has a different weight, summarized in the following chart:
FICO score factor weights.