FICO Risk Factors
This is a list of everything that can harm your FICO score. If it isn’t on this list then it does not hurt your FICO score. Keep in mind that there are several versions of the FICO score, many of them industry specific. Chances are the FICO score that your lender is using only uses some of these factors in determining your score.
If it isn’t on this list then it does not hurt your FICO Score
- Account payment history is too new to rate
- Accounts last reported in delinquent status
- Amount of credit available on revolving accounts
- Amount owed on accounts is too high
- Amount owed on bank/national revolving accounts
- Amount owed on collections filed
- Amount owed on delinquent accounts
- Amount owed on mortgage loans is too high
- Amount owed on recently opened accounts is too high
- Amount owed on recently opened bank/national revolving accounts is too high
- Amount owed on recently opened consumer finance company accounts is too high
- Amount owed on recently opened retail accounts is too high
- Amount owed on recently opened revolving accounts is too high
- Amount owed on recently opened sales finance company accounts is too high
- Amount owed on retail accounts
- Amount owed on revolving accounts
- Amount owed on revolving accounts is too high
- Amount paid down on open installment loans is too low
- Amount paid down on open mortgage loans is too low
- Amount past due on accounts
- Bankruptcy filing reported
- Date of last inquiry too recent
- Delinquency on accounts
- Delinquency on recently opened accounts
- Derogatory public record or collection filed
- Dollar amount(s) of property(ies) reported too low or unknown
- Frequency of delinquency
- Insufficient installment payment history
- Lack of recent auto finance loan information
- Lack of recent auto loan information
- Lack of recent auto finance loan information / Lack of recent auto loan information
- Lack of recent bank/national revolving information
- Lack of recent consumer finance company account information
- Lack of recent installment loan information
- Lack of recent non-mortgage installment loan info
- Lack of recent reported mortgage loan information
- Lack of recent retail account information
- Lack of recent revolving account information
- Lack of recent revolving HELOC information
- Lack of recently established credit accounts
- Lack of recently established revolving accounts
- Length of time accounts have been established
- Length of time auto accounts have been established
- Length of time bank/national revolving accounts have been established
- Length of time consumer finance company loans have been established
- Length of time installment loans have been established
- Length of time open installment loans have been established
- Length of time open mortgage loans have been established
- Length of time reported mortgage accounts have been established
- Length of time retail accounts have been established
- Length of time revolving accounts have been established
- Level of delinquency on accounts
- No currently owned property records reported or identified
- No mortgage loans reported
- No recent bank/national revolving balances
- No recent non-mortgage balance information
- No recent retail balances
- No recent revolving balances
- Number of accounts currently in delinquent status
- Number of accounts with delinquency
- Number of accounts with recent delinquency
- Number of active bank/national revolving accounts
- Number of active retail accounts
- Number of adverse/derog public records
- Number of bank/national revolving accounts
- Number of bank/national revolving accounts with balances
- Number of bank/national revolving or other revolving accounts
- Number of check advance inquiries
- Number of collections filed
- Number of finance co accts established relative to length of finance hist
- Number of consumer finance company inquiries
- Number of established accounts
- Number of open installment loans
- Number of recently opened consumer finance company accounts
- Number of retail accounts
- Number of retail accounts with balances
- Number of revolving accounts
- Number of revolving accounts with balances higher than limits
- Payments due on accounts
- Proportion of balance to limit on auto accounts is too high
- Proportion of balance to limit on consumer finance company accounts is too high
- Proportion of balance to limit on delinquent accounts is too high
- Proportion of balance to limit on retail accounts
- Proportion of balance to limit on retail accounts is too high
- Proportion of balance to limit on sales finance company accounts is too high
- Proportion of balances to credit limits on bank/national revolving accounts is too high
- Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
- Ratio of balance to limit on bank revolving or other rev accts too high
- Proportion of balances to credit limits on revolving accounts is too high
- Proportion of balances to credit limits on revolving HELOC accounts is too high
- Ratio of balances to credit limits on revolving HELOC accts is too high
- Proportion of balances to loan amounts on auto accounts is too high
- Proportion of balances to loan amounts on mortgage accounts is too high
- Proportion of balances to loan amounts on mortgage loans is too high
- Proportion of loan balances to loan amounts is too high
- Proportion of revolving balances to total balances is too high
- Proportion of revolving HELOC balances to total revolving balances is too high
- Ratio of revolving HELOC balances to total revolving balances is too high
- Serious delinquency
- Serious delinquency, and public record or collection filed
- Time since account activity is too long
- Time since delinquency is too recent or unknown
- Time since derogatory public record or collection is too short
- Time since most recent account opening is too short
- Time since most recent auto account opening is too short
- Time since most recent bank/national revolving account opening is too short
- Time since most recent consumer finance company account opening is too short
- Time since most recent installment loan account opening is too short
- Time since most recent retail account established
- Time since most recent revolving account established
- Time since most recent sales finance company account opening is too short
- Too few accounts currently paid as agreed
- Too few accounts with balances
- Too few accounts with recent payment information
- Too few active accounts
- Too few bank/national revolving accounts
- Too few bank/national revolving accounts with recent payment information
- Too few consumer finance company accounts with recent payment information
- Too few installment accounts
- Too few retail accounts
- Too few retail accounts with recent payment information
- Too few revolving accounts
- Too few revolving accounts with recent payment information
- Too few sales finance company accounts with recent payment information
- Too many accounts recently opened
- Too many accounts with balances
- Too many bank/national revolving accounts
- Too many consumer finance company accounts
- Too many inquiries last 12 months
- Too many installment accounts
- Too many mortgage loans with balances
- Too many recently active accounts
- Too many recently active auto accounts
- Too many recently active bank/national revolving accounts
- Too many recently active consumer finance company accounts
- Too many recently active installment loan accounts
- Too many recently active retail accounts
- Too many recently active sales finance company accounts
- Too many recently opened accounts with balances
- Too many recently opened bank/national revolving accounts
- Too many recently opened bank/national revolving accounts with balances
- Too many recently opened consumer finance company accounts
- Too many recently opened installment accounts
- Too many recently opened retail accounts with balances
- Too many recently opened revolving accounts
- Too many recently opened revolving accounts with balances
- Too many recently opened sales finance company accounts
- Too many retail accounts
- Too many revolving accounts
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