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FICO uses percentages to represent generally how important each category is, though the exact percentage breakdown used to loan payment calculator credit union your credit score will depend on your unique credit report. FICO considers scoring factors in the following order:. VantageScore lists the factors continue reading how influential they generally are in determining a credit score, but this will also depend on your unique credit report.

VantageScore considers factors in the following order:. Credit scores are a tool that lenders use to make lending decisions.