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Your VantageScore is calculated using data from your credit score report, grouped into six categories. However, some score components carry extra weight than others. Payment historical past (extraordinarily influential). Paying your bills on time has the most important impact in your VantageScore. Age and sort of Credit (extremely influential). Maintaining a mixture of credit score cards, auto loans, and other types of loans will improve your rating over time. Percentage of credit limit used (extremely influential). Keeping your balances on credit cards and other revolving accounts low (under 30% of your obtainable credit score restrict) will help your credit score. Total balances/debt (reasonably influential). Reducing the amount of mortgage or credit card debt you owe can improve your credit score. Recent credit score conduct (much less influential). Don’t open too many new accounts inside a brief timeframe. Available credit score (least influential). 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