**Breakdown of what makes up your credit score**

Payment History- how often you pay your bills (makes up 32% of your overall credit score)

Amount of Debt-how much debt you owe (makes up 15% of your overall credit score)

Length of Credit History and types of credit- how often you use your accounts and how many accounts you have open (makes up 13% of your overall credit score)

New Credit- how many recently opened accounts and recent credit inquiries there are in your file (makes up 10% of your overall credit score)

Utilization-the amount or available credit you use (makes up 23% of your overall credit score)

Available credit (makes up 7% of your overall credit)