--Payment history: about 35%. This has to do with how you've paid off loans in the past. Have you paid your credit cards and loans on time?
--Outstanding debt: about 30%. Look at the balance on your credit card, how many accounts you owe money on right now and if you are currently paying off a student loan. If you owe too much money, it may lower your credit score.
--Any new credit: about 10%. A creditor may check to see if you have recently applied for any new credit. Maybe you've applied for a credit card or auto loan.
--Length of credit history: about 15%. How long you've been borrowing money helps predict how you'll pay back loans.
--"Other factors": about 10%. This is left up to the gods to determine!
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