How is my credit score calculated?

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.

Last updated May 22, 2024