TransUnion calculates your credit score based on a variety of factors in your credit history, such as:

• Your payment history for your loans and credit cards
• How much you owe on your credit accounts
• How long your accounts have been open
• Your credit mix (e.g., credit cards, mortgages, lines of credit)
• How much credit you use and have available
• How often and how recently you’ve applied for credit

Visit our credit scores page on Advice+ to learn more about what impacts your score.