SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/fico-biggest-factor

Which of these counts the MOST in your FICO credit score?

Paying bills on time is the single biggest factor in your FICO score, at about 35%.

  1. How much you owe on your cards and loans
  2. How many years you've had credit
  3. Whether you pay your bills on time ✔

Why: Paying on time is the biggest piece of a FICO score, about 35%. How much you owe is close behind at about 30%. FICO scores run from 300 to 850.

Huh, didn't know that: FICO scores run from 300 to 850.

The dad joke
If you think no one cares about you, try missing a couple of payments.
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Sources

  1. myFICO: What's in my FICO Scores? https://www.myfico.com/credit-education/whats-in-your-credit-score
  2. myFICO: What is a FICO Score? https://www.myfico.com/credit-education/what-is-a-fico-score
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