Payment History-Your payment history is a significant factor in determining your credit score.  A history of late payments on current and past accounts is likely to have a nigative impact on your score.

Amounts Owed-What you owe counts significantly in the calculation of your credit score.  Maintaining large balances on your credit cards may be a signal to lenders that you have accrued more debt than you can handle.

Length of Credit History-A portion of your score is based on how long you’ve had established credit.  A longer credit history can help earn you a better standing with creditor grantors and lenders.

New Credit Requests-Consider ways to manage new credit wisely.  Applying for many different types of credit in a short period of time can take a toll on your score.

Credit Diversity-Mix it up.  Having a combination of account types including installment, revolving and mortgage is a good way to help diversify your credit.