: Includes all lender-reported accounts, their balances, and how long they have been open.
: Records of when lenders have requested your report; "hard" inquiries from loan applications can temporarily lower your score. credit history report
: A record of whether you pay bills on time; this is a primary driver of your credit score. : Includes all lender-reported accounts, their balances, and
: The percentage of available credit you are currently using. : Includes all lender-reported accounts