1. Current balances on accounts - Accounts showing all payments were on time are positive.
2. Bank revolving accounts - Lack of accounts, or too many can be negative.
3. Reported delinquencies - Negative, especially if severe and recent.
4. Number of accounts with balances - Too many credit card accounts may have a negative effect on your score.
5. Number of finance company accounts - Loans from finance companies may negatively affect your credit score
6. Recent payment history - An insufficient credit history may have an effect on your score, but that can be offset by other factors, such as timely payments and low balances
7. Number of recent inquiries - Not all inquiries are counted. Inquiries by you or creditors who are monitoring your account or looking at credit reports to make "prescreened" credit offers are not counted.
8. Number of accounts opened within the last year - Adding too many new accounts can be negative.
9. Proportion of balance to your credit limit - If the amount you owe is close to your credit limit, that is likely to have a negative effect on your score
10. Length of time accounts established - Long-established accounts are positive
11. No recent (non-mortgage) account balance information - Can be negative when seeking mortgage loans
12. Legal item filed or collection item reported - Negative, effect decreases with time.
13. Accounts not paid as agreed and/or legal item filed - Your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy.
14. Employment and residency - Longer time in your job and at your residence can help your score.