5 Factors That Determine Your Credit Score:
1. History - whether you paid on time.
2. Debt - how much you owe.
3. Longevity - the length of your credit history, the longer the better.
4. Risk - new credit is considered more risky, even if you pay promtly.
5. Type of credit - it is usually better to have multiple types of credit, like installment loans, credit cards and a mortgage.