Creditscoreinformation May 2026

Most lenders use one of two primary scoring systems to evaluate your financial health: : The industry standard since 1989.

: How long accounts have been open.

The FICO model calculates your score based on five key components: : Records of on-time or missed payments. 30% Amounts Owed : Total debt and credit utilization ratios.

Learn about your credit report and how to get a copy | USAGov

You can monitor your credit information through several official and free channels: