Payment history: The most important factor is your payment history. This shows lenders how consistently you make your payments on time.

Credit utilization: This is the amount of credit you are using compared to the total amount of credit you have available.

 Length of credit history: A longer credit history shows that you have been managing your credit responsibly for a longer period of time.

Types of credit: Having a mix of different types of credit, such as credit cards and loans, can help improve your credit score.

New credit: Opening too many new accounts in a short period of time can hurt your credit score.

Inquiries: Too many hard inquiries on your credit report can also hurt your credit score.

Public records: Any negative public records, such as bankruptcies or foreclosures, can also hurt your credit score.

Delinquencies: Any late payments or defaults on your accounts can hurt your credit score.

You can improve your credit score by making all of your payments on time, keeping your credit utilization low, and having a long credit history.

 You can also get a free copy of your credit report from each of the three major credit bureaus once a year at