Home Credit and Credit Score Understanding what moves your credit score Credit and Credit Score Understanding what moves your credit score The five factors that influence a credit score, and which ones you can actually control. Medium risk Written by adminPublished September 30, 2026Reading time 1 minute read On this page The five main factors Frequently asked questions Sources The five main factors Scoring models differ, but the underlying categories are broadly consistent. Placeholder comparison of the main scoring factors. Illustrative only. FactorTypical weightCan you change it quicklyPayment historyHighestSlowlyUtilisationHighYesLength of historyMediumNoNew applicationsMediumPartlyMix of credit typesLowerSlowly Frequently asked questions How long does a change take to show? Reporting delays are common, so a change made today may not be visible to lenders for weeks. Sources Placeholder credit reporting explainer Example Authority, 2025 Related topics Banking Financial Education Insurance Investing Loans Personal Finance Retirement Tax Share X LinkedIn Facebook WhatsApp Previous How lenders decide your loan eligibility Next Building an emergency fund in six months Related articles Banking Hello bhjbjhbhjdjdqwd admin October 1, 2026 Investing How compound interest actually works A plain explanation of compounding, with the maths shown step by step so you can check the numbers yourself. admin September 30, 2026 Personal Finance Building an emergency fund in six months A staged approach to building a cash buffer, and how much is actually enough. admin September 30, 2026
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