: Your record of making on-time payments. This is the most influential factor.
Higher scores suggest you are a lower risk to lenders, often leading to better interest rates and loan terms. While ranges vary by model, a general breakdown includes: : Exceptional 740–799 : Very Good 670–739 : Good 580–669 : Fair 300–579 : Poor 3. The Three Major Bureaus A guide to understanding your credit score credit scores explained
Most scoring models, like , use five key factors from your credit history: : Your record of making on-time payments