A lender checks whether Maya has ever had a bill go 60 days past due. Which credit-score factor does this describe?

Jordan regularly carries card balances close to each card's credit limit. Which factor is most directly involved?

Keisha's oldest credit card was opened eight years ago. Which factor uses the age of that account?

A report lists a credit card and an installment auto loan. Which factor considers the variety of these account types?

In one week, Luis applies for three store cards and two other cards. Which factor is most directly associated with this pattern?

A credit report shows that Ava made every loan payment on time for two years. What factor is strengthened by this record?

In the FICO scoring model, which factor is the second most heavily weighted, at about 30% of a score?

Elena, 18, opens her first card and pays it in full and on time every month. Which factor can only improve as time passes, no matter how she uses the card?

Darnell checks his own credit score on a free app. Which credit-score factor does this check affect?

Maya closes an unused card with a $1,000 limit while she carries a $500 balance on her other $1,000 card. Which factor is most directly hurt because her available credit shrinks?

Aiden lowers a card balance from $900 of a $1,000 limit to $200. Which factor is most directly helped?

A credit report shows one of Rosa's old bills was sent to a collection agency. Under which factor does FICO count this collection account?

Sofia has only credit cards, then takes out an auto loan with fixed monthly payments. Which type of credit does the auto loan add to her credit mix?

A lender makes a hard inquiry when Tomas applies for an auto loan. Which factor is most directly affected?

Camila pays her card in full by every due date, but each statement shows a balance near 90% of her limit. Which factor can still be hurt?

Use the account table. Which factor considers how long the listed accounts have been open?

Use the card table. Which factor is most relevant to the balance compared with the listed credit limit?

Use the account table. Which factor is most directly affected by the delinquency listed?

Use the credit-events table. The listed events occurred during the last 60 days. Which factor is most relevant?

Use the account table. Which factor considers the different kinds of accounts shown?

Use the card table. Which factor is most affected by Card B's high balance relative to its limit?

Use the account table. Which factor is most directly harmed by the entry for Loan B?

Use the account table. Which factor uses the opening dates to evaluate the ages of these accounts?

Use the account table. Which factor is illustrated by the variety of account types listed?

Use the inquiry table. Which factor is most directly affected by this recent pattern?

Priya wants to strengthen payment history over the next year. Which action best fits that goal?

Marcus wants to improve the amounts-owed factor. Which action is most helpful?

For the length-of-credit-history factor, which behavior is most helpful?

Nora has a credit card and an installment loan. Which behavior best supports her credit mix?

Eli wants to protect the new-credit factor before applying for a needed loan next year. What should he do now?