Credit Score Range
Weight: 20%
Your score band across all three bureaus — the primary way lenders categorize borrowers. We analyze where you fall and what that means for approval odds across auto, home, and business lenders.
Utilization Rate
Weight: 20%
The percentage of your available revolving credit you are actively using. Below 30% is the benchmark; above 50% is a significant approval risk signal across all financing types.
Payment History
Weight: 15%
Your on-time payment track record — the single largest driver of any credit score. We check 24 months of history and flag patterns that concern lenders.
Derogatory Accounts
Weight: 15%
Collections, charge-offs, bankruptcies, judgments, and tax liens. These carry the most negative weight and are the hardest to recover from without action.
Inquiries
Weight: 10%
New credit applications within the last 12–24 months. Hard inquiries signal active shopping — too many in a short window raises lender concern and drops your score.
Age of Accounts
Weight: 8%
How long your credit history has been established. Older accounts signal stability and are viewed favorably. A thin file limits approval odds regardless of score.
Debt Load
Weight: 7%
Total outstanding debt measured against your income and available credit. Lenders calculate debt-to-income ratios — this is a common approval gate.
Credit Mix
Weight: 3%
The variety of credit types in your profile: revolving (cards), installment (loans), and mortgage. A mix of healthy accounts signals responsible management.
Report Stability
Weight: 2%
Patterns that indicate risk: repeated rapid credit resets, frequent disputes, or cyclical collection activity. These signals affect lender decisioning even when scores are acceptable.