1. Payment history: This factor considers whether you've made on-time payments on your credit accounts, and whether you've had any late or missed payments.
2. Credit utilization: This factor looks at how much of your available credit you're using, and whether you're keeping your balances low.
3. Length of credit history: This factor considers how long you've had credit accounts and how often you use them.
4. Types of credit: This factor considers the types of credit accounts you have, such as credit cards, loans, or mortgages.
5. Recent credit inquiries: This factor looks at how many new credit applications you've made recently.
6. Adverse credit events: This includes things like bankruptcies, foreclosures, collections, and other negative marks on your credit report.
7. Public records: This includes collections, legal judgments, tax liens, and other public records that may impact your creditworthiness.