Credit
CFPB (page last modified September 2, 2026) says a credit score is a prediction of credit behavior, such as how likely you are to pay a loan back on time, built from the credit report. Most credit scores range from 300 to 850. myFICO groups that report into five categories for a FICO Score. This page uses those weights. It does not name a FICO version. It does not print a score.
Updated 2026-10-05 · 10 min read · Educational, not credit advice. The file in the table is made up. The ratio on a statement is credit utilization. Interest on a balance you leave is the payoff calculator. No simulator.
myFICO's score page lists the groups and the shares:
| Group | Weight | Where the rest of it lives |
|---|---|---|
| Payment history | 35% | This page. On-time versus late. No point table. |
| Amounts owed | 30% | Utilization guide. The 30% here is the category weight. |
| Length of credit history | 15% | This page. Oldest, newest, and average age. |
| New credit | 10% | This page. Applications, not your own pull. |
| Credit mix | 10% | This page. Revolving and installment. Not a reason to apply. |
myFICO says those levels of importance are for the general population and may be different for different credit profiles. It also says you cannot judge one factor without the whole report. That is why this page has no column for "points." A thin file and a long file are not the same chart. This page does not invent the chart for either one, and it does not name the scoring model beyond "a FICO Score."
The same page says a FICO Score is calculated only from the credit report. A lender may still look at income, how long you have worked at the current job, and the kind of credit you asked for. Those facts can change a yes or a rate. They are not a sixth weight on this table.
35% is the largest of the five published weights. myFICO's payment-history page says the category includes how you have paid cards, retail accounts, installment loans, and mortgages; how late a payment became; how much is still past due; how many items are past due; how long it has been since a delinquency, a collection, or a public-record bankruptcy; and how many accounts are paid as agreed.
CFPB (page last modified September 2, 2026) says reporting companies can generally report negative information about account payment history for up to seven years. Bankruptcies can stay on the report for up to ten years. 15 U.S.C. § 1681c(a)(1) is the ten-year ceiling for cases under title 11. Section 1681c(a)(4) is the seven-year ceiling for an account placed for collection or charged to profit and loss. Section 1681c(c) starts that seven-year collection clock after 180 days from the delinquency that led to the collection or the charge-off. A late payment that you later bring current is the CFPB seven-year payment-history line. Do not add the 180 days to that cured late unless the account actually went to collection or charge-off.
myFICO says a few late payments are not an automatic "score-killer," an overall good history can outweigh one or two late card payments, and older items or smaller amounts count less than recent items or larger amounts. None of those sentences is a point value. This page will not turn "counts less" into a number.
Amounts owed is 30% of a FICO Score for the general population. That 30% is the weight of the category. It is not a rule that each card must stay under 30% of its limit. The utilization guide already separates those two meanings, with CFPB's "no more than 30 percent of your total credit limit" line (experts' advice, page last modified December 18, 2024) and a worked pair of cards. This page does not rebuild that table.
If a balance stays revolving, interest is the payoff calculator. You type the APR. The tool is not a score simulator.
myFICO says length of credit history is 15% of a FICO Score. It is how long accounts have been open: the age of the oldest, the age of the newest, and the average age of all of them, plus how long specific accounts have been open. A longer history has a positive effect. Someone with a short history can still have a high score if the rest of the report looks good. Opening a new account changes the newest age and the average. Ordering your own report does not.
Credit mix is the types of accounts: cards, retail accounts, installment loans, finance-company accounts, mortgages. myFICO says mix determines 10% of a FICO Score. The same page asks whether you should apply for every type you do not have. The answer there is no. A hard inquiry can be added, and the new account can shorten average age. On opening a small loan only to show you can make payments, myFICO's answer is "probably not," because 10% is a small share.
Closing a card is the other common shortcut. CFPB says if you close accounts and put the balances on one card, the score can fall when that means you are using a high percentage of the limit you have left. The dollars are on the utilization page. This page does not add a second calculator for them.
myFICO's new-credit page says new credit is 10% of a FICO Score. When you apply, the inquiry can remain on the credit report for two years. FICO Scores only consider inquiries from the last 12 months. The page lists three facts: inquiries usually have a small impact, many types of inquiries are ignored completely, and the score allows for rate shopping. It does not publish a number of days for that shopping window. This page will not add one. A 14-day window and a 45-day window are how versions get invented. There is no version name here.
The same page says that, depending on the other factors in the report, an inquiry can lower a score by a few points. "A few" is their phrase. It is not an input you can type. A new card also changes length of history, because the newest account and the average age both move.
CFPB (page last modified September 11, 2025) splits the pulls. A hard inquiry is often a lender checking the file after you apply, and most scoring models look at how recently and how often you apply. A soft inquiry includes reviews of accounts you already have, prescreening, employment screening, and your own requests for your reports. Soft inquiries do not affect credit scores. CFPB says reviewing your own reports will not affect your scores. myFICO says the same thing when you order the report from the bureau or through an authorized organization such as myFICO.
Each row is a made-up fact. Nothing here was pulled from a bureau. The last column is where this site sends the fact. There is no score column, because a score would be a simulator, and this run does not build one.
| On the made-up report | Weight | What this site does |
|---|---|---|
| One card payment 30 days past due in March 2026, then brought current | Payment history, 35% | No points subtracted. CFPB's clock for negative payment history is generally up to seven years. |
| Revolving balances $2,100. Limits $8,000. One of the cards is $2,000 of a $3,000 limit. | Amounts owed, 30% | Not divided again here. The utilization guide already shows 26.25% overall and 66.7% on that card. |
| Oldest account opened June 2016. Newest opened January 2026. | Length, 15% | Those dates are the category. Checking the score does not move them. |
| One credit card and one auto loan | Mix, 10% | myFICO says do not apply for the missing types. "Probably not" on a loan opened only for mix. |
| Two credit-card applications in September 2026 | New credit, 10% | Hard inquiries. myFICO: a few points is possible, and it depends on the rest of the report. No number on this row. |
If the $2,000 card balance stays and you pay $40 a month, interest is not a score. At a labeled 21.9% APR the payoff tool is the same hash the utilization page already uses. 21.9% is an example, not a quote. Type your own APR.
Payment history 35%, amounts owed 30%, length 15%, new credit 10%, mix 10%. myFICO says that chart is the general population and can differ for another profile. No FICO version on this page.
Not when it is a soft inquiry. CFPB says your own report requests do not affect scores. myFICO says the same when you order from the bureau or an authorized organization. A hard inquiry is the lender's check after you apply.
CFPB (modified September 2, 2026) says negative payment-history information can generally stay up to seven years. Bankruptcies can stay up to ten years. That is not a point table. The 180-day start in 15 U.S.C. § 1681c(c) is for the collection or charge-off clock, not a late you already cured.
No. myFICO says the score comes only from the credit report. Income, job tenure, and the type of credit can still matter to the lender. They are not a sixth row in the weight table.
No. CFPB says you do not need to carry a balance or have debt outstanding. Pay in full. The statement ratio is the utilization guide. Interest, if you leave a balance, is the payoff tool.
This page does not score that click. CFPB says closing cards and piling the balances on one card can hurt when utilization on the remaining limit is high. Length, at 15%, uses the oldest account, the newest, and the average age.
myFICO says mix is 10% and the answer to "apply for every type you lack" is no. The answer to a small loan opened only to show payments is "probably not." Each application can add a hard inquiry.
No number. myFICO says a few points, depending on the rest of the report, and that the impact is usually small. Scores consider inquiries from the last 12 months. The report can show them for two years. Rate shopping is allowed. This page does not add a day count, because it does not name a FICO version.
Educational only. Weights are myFICO's published groups for the general population. Ranges and reporting clocks are CFPB's. The made-up file is not your report. No score is computed here. Verify your own report before you close a card or send an application.