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: The variety of accounts you have, such as credit cards, retail accounts, and installment loans (auto, student, or mortgage).

What is a credit score? | Consumer Financial Protection Bureau credit-score-complete

: Includes recent credit inquiries and recently opened accounts. Credit Score Ranges & Meaning : The variety of accounts you have, such

: The most critical factor; it tracks whether you pay bills on time. such as credit cards

: Considers the age of your oldest account and the average age of all accounts.

Most scoring models, including the widely used FICO Score (used by 90% of top lenders), calculate your score based on five key factors: