Here are key factors that credit bureaus use to determine your credit score:
35% - Payment History, one of the most important factors. If you miss payments or are late, this will greatly impact your credit negatively.
30% - Debt Ratio, how much credit do you owe, compared to what your limit is? It is good to stay under 30% of your available limit.
15% - Credit history, the longer you have credit, the better, as long as you are responsible.
10% - New Credit
10% - Types of credit, as in credit cards, loans, etc
