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: The variety of accounts you have, such as credit cards, retail accounts, and installment loans (auto, student, or mortgage).

: The most critical factor; it tracks whether you pay bills on time. credit-score-complete

A credit score is a three-digit numerical representation of your creditworthiness, typically ranging from . It acts as a financial "snapshot" that tells lenders how likely you are to repay borrowed money on time. Core Components of a Credit Score : The variety of accounts you have, such

Most scoring models, including the widely used FICO Score (used by 90% of top lenders), calculate your score based on five key factors: such as credit cards

What is a credit score? | Consumer Financial Protection Bureau