01/07/2026
๐ Know the Breakdown = Control the Score ๐ณ๐ฅ
Your credit score isnโt random. Itโs calculated using specific sections, each worth a set percentage. Once you know this, you stop guessing and start fixing the right things ๐๐ฝ
๐งพ Payment History โ 35%
This is the BIG one ๐ฅ
Late payments, collections, charge-offs, repos, bankruptcies โ all live here.
๐ Missed payments hit harder and last longer.
๐ On-time payments = score growth.
๐ณ Credit Utilization โ 30%
How much credit youโre using vs. how much you have.
๐ Keep balances under 30% (under 10% is elite).
๐ High balances = fast score drops.
โณ Length of Credit History โ 15%
How long youโve been using credit.
๐ Old accounts help
๐ Closing aged accounts can hurt.
๐ New Credit / Inquiries โ 10%
Every hard inquiry = a small ding.
๐ Too many in a short time = risky behavior in the algorithmโs eyes.
๐ Credit Mix โ 10%
Different types of credit (cards, loans, mortgage, auto).
๐ You donโt need everything โ just balance
๐ง How this affects your score:
The system weights your behavior, not your income or intentions.
Thatโs why someone with lower income can have a higher score โ they manage these sections better ๐
๐ก The secret:
Fix the highest-percentage sections first (Payment History + Utilization = 65% of your score). Thatโs where real movement happens.
๐ Save this post
๐ Learn the sections
๐ Play the credit game smarter
๐ฌ Drop a ๐ if this helped you understand your score better
