Harrington Financial Solutions

A credit score is a numerical representation of a person's creditworthiness, which is used by lenders to evaluate the risk of extending credit or loaning money to an individual. While the exact breakdown of a credit score can vary depending on the credit scoring model being used, the FICO credit scoring model, which is one of the most widely used, typically breaks down a credit score into five main categories:

1. Payment History (35%): This is the most significant factor in determining your credit score. It reflects whether you have paid your credit accounts on time and how often you have been late with payments. Late payments, defaults, bankruptcies, and other negative marks can significantly lower your score.

2. Amounts Owed (30%): This factor takes into account the amount of debt you owe compared to your available credit, also known as your credit utilization ratio. High credit card balances and being near your credit limit can negatively impact your credit score.

3. Length of Credit History (15%): The length of time you have been using credit is considered. A longer credit history can be beneficial for your score, as it provides more data for assessing your creditworthiness.

4. New Credit (10%): Opening several new credit accounts in a short period can indicate higher risk and lower your credit score. This category also considers the number of recent inquiries on your credit report.

5. Credit Mix (10%): Having a mix of different types of credit accounts, such as credit cards, installment loans, and mortgages, can have a positive impact on your credit score. It shows that you can manage different types of credit responsibly.

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🚨Credit Tip 🚨

What hurt your credit score...

1. Applying for lots of credit in a short time.
2. Using too much available credit.
3. Defaulting on accounts.
4. Missing payments.

Need credit help...
Learn how our AI Credit works:
https://harringtonfinancialsolution.com/aicredit

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https://www.debtcleanse.com/harringtonfinancialsolutions/enrollment/membership
Click Get Help

Adrian A. Harrington
704.935.6183

Fix Bad Credit Super Fast We fix bad credit super fast. No credit is to hard for us to remove. See a 50 to 100 point jump in your credit score

What to know

💰Credit usage (Amount Owed) makes up 30% of your score.
💰Credit usage is the percentage of available credit you’re using at any given time.
💰Keeping your credit usage below 30% can help your score.
💰Usage on individual revolving accounts (like credit cards) is most important, but keep on an eye on your average too.
💰Revolving accounts are open lines of credit you have the flexibility to use until you reach the credit limit. Credit cards are the most common revolving account.
💰Installment accounts are basically a fixed amount of money you repay on a schedule. Mortgages are a common example.

How this is calculated

💰Lenders usually report your balances and credit limits to credit bureaus once a month. However, some lenders may update more frequently.
💰We add up the balances on your revolving accounts, then divide by your total credit limit.

Originate Loans in all 50 states!
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