Your overall score is calculated based on the following primary pillars found in your credit report:

: This measures the percentage of your total available credit that you are currently using. Financial experts recommend keeping this under 30%.

: Lenders like to see a responsible balance of revolving credit, such as credit cards, and installment loans, such as an auto loan or mortgage.

: This factors in the average age of all your credit accounts, including how long specific lines of credit have been active.

Monitoring your history is essential for maintaining financial health and preventing identity fraud. Free Credit Reports - FTC Consumer Advice