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What are the 5 main factors that determine my credit score?

The 5 main factors that determine your credit score according to the United States government are:

  1. Your payment history
  2. The amount of debt you owe
  3. How long you have been using credit
  4. How often you've applied for new credit and taken on new debt
  5. The types of credit you currently use, such as credit cards, retail accounts, and more

Source: https://www.usa.gov/credit-reports