: This factors in the average age of all your credit accounts, including how long specific lines of credit have been active.
: Lenders like to see a responsible balance of revolving credit, such as credit cards, and installment loans, such as an auto loan or mortgage. credit-score-history
, summarizing how reliably you have managed borrowed money and paid off your debts. Lenders, landlords, and even employers use this data to determine your financial trustworthiness. Core Components of Your Credit History : This factors in the average age of
: This tracks whether you make your payments on time. It is typically the most impactful factor in your score. such as credit cards