Min FICO
Credit Card
620
30-day delinquent
Minor
This factor weighs in at 35% of your credit score
Payment History
A lender’s opinion of a borrower’s general trustworthiness, credibility and personality.
Character
Reserve Line
600
60-day delinquent
Minor
This factor weighs in at 30% of your Credit Score
Amount(s) owed on credit accounts
Your Ability to repay the loan.
Capacity
Premier Line
680
Bankruptcy
Major
This factor weighs in at 15% of your Credit Score
Length of Credit History
The amount of money borrower puts into transaction.
Capital
Auto Loan
660
Foreclosure
Major
This factor weighs in at 10% of your Credit Score
New Credit
The state of economy, industry trends and how these factors might affect your ability to repay the loan.
Conditions
Simple Loan
550
Charge-off
Major
This factor weighs in at 10% of your Credit Score
Types of Credit
Assets that are used to secure a loan.
Collateral