The short answer
Credit scores are calculated from information in your credit reports. The main factors are payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each scoring model weights these differently. FICO and VantageScore are separate models, and their exact formulas are proprietary.
Partner option
Review your credit reports with TransUnion
If you want to check your own credit reports, you can do so directly with TransUnion, one of the national credit reporting companies. This is a commercial option offered separately from our credit education content.
Visit TransUnion to review your credit report (opens in a new tab)
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