How Your FICO Credit Score Is Calculated

What is, and isn’t, included in your FICO credit score?

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Here is a breakdown of what is, and isn’t, included in your FICO credit score and recommendations for how to keep your score up.


What Makes Up Your FICO Score:

The exact calculation of the FICO score is kept secret as proprietary information, but here are some general guidelines.


  • 35% Payment History
  • 30% Amounts Owed or Credit Card Utilization
  • 15% Length of Credit History
  • 10% New Credit or Credit Inquiries
  • 10% Types of Credit Used

What’s Not Included:

  • Your race, religion, national origin.
  • Your age – Other credit scores may consider your age, but FICO doesn’t.
  • Your gender or marital status.
  • Your salary, occupation, title, employer, or employment history – Lenders may consider this information, however, as may other types of scores.
  • Whether you receive public assistance.
  • Where you live.
  • Any interest rate being charged on a particular credit card or other account.
  • Any items reported as child/family support obligations.
  • Consumer-initiated inquiries – Requests you have made for your credit report, in order to check it.
  • Promotional inquiries – Requests made by lenders in order to make you a “pre-approved” credit offer.
  • Administrative inquiries – Requests made by lenders to review your account with them.
  • Requests that are marked as coming from employers.
  • Any information not found in your credit report.
  • Any information that is not proven to be predictive of future credit performance.
  • Whether or not you are participating in a credit counseling of any kind.

Control What Is Counted:

  • Make your loan and credit card payments on time. Pay the minimum due, even if you cannot make a significant payment.
  • Do not exhaust your full credit limit. Aim to stay under 30%.
  • Do not close accounts with a long positive credit history. They enhance your credit age.

Will Your Money Last Through Retirement?

No one wants to run out of money. But without goals and a solid plan,
how can you know for sure whether you’re on the right track?

Will I be able to maintain my current lifestyle?

What will my monthly income be in retirement?

Can I protect my hard-earned savings and still
have the income I want?

Rodgers & Associates answers questions like these every day.

Get Personalized Answers
2025 Lititz Pike, Lancaster, PA 17601
Phone: 717-560-3800, Toll-Free: 888-876-3437