Payment history: Largest percent of score
		Late payments, bankruptcy
		Amounts Owed: Proportion of credit line used
		Number of accounts with balances, total amount owing on accounts
		Length of credit: How long you have been established with credit
		New Credit: How many applications/requests for credit have you submitted?
		Okay to shop around, but if you seem desperate, that is bad
		Types of credit used: It’s good have more than one type of credit successfully used