- Category where your on time payments are tracked. The worst bracket here is an average of 97% or less on time payments so its imperative to make all payments on time!
Amounts Owed - This is "utilization" or "credit card use", any utilization over 30% dramatically affects your scores.
Length of Credit History - You have no control of this category, it is the average length of all credit accounts, so its helpful to not close old credit accounts!
New Credit - Category that factors in frequency of new accounts being attempted or opened. Too many attempted(hard inquiries) or opened is negative.
Types of Credit - "Total Accounts" or "Account Mix" category, # of accounts for the good bracket start at 11. "Account Mix" is a mixture of credit accounts(credit card, personal loan, auto loan, mortgage).