Credit Score
Some parts of your credit history weigh more heavily on your overall credit score than others:
Payment History – 35%
Total Amounts Owed – 30%
Length of Credit History – 15%
New Credit – 10%
Type of Credit in Use – 10%
Since the majority of your credit score comes first from your payment history and then from how much debt you actually have, if you want to improve your credit score focus on these areas first.