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How is your credit score calculated?
What are the 3 separate formulas for Experian, Equifax, and Transunion?
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35% of your score - Payment History
30% of your score - Amounts Owed
15% of your score - Length of Credit History
10% of your score - New Credit
10% of your score - Types of Credit
No one knows the exact calculations and formulas for the individual bureaus. They change all the time anyway. The credit bureaus are constantly changing their formulas to combat people trying to circumvent the system (authorized users on credit cards they don't actually have, etc.)
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