Understand the five factors behind your credit.
Your credit score isn't random. It's shaped by what appears on your credit report and how those details are interpreted by scoring models.
What shapes your credit score?
Payment history, balances, account age, credit mix, and new inquiries are important ingredients in many scoring models. Knowing how they work can help you make better decisions while High Line addresses reporting inaccuracies.
On-time payments matter
Payment history accounts for roughly 35% of a typical FICO Score. A wrongly reported late payment can have a major impact, so our team aggressively investigates inaccurate payment history.
Balances versus limits
Amounts owed—including credit utilization—account for roughly 30% of a typical FICO Score. Lower revolving balances relative to limits often help, and our team can review reporting mistakes that may be inflating your utilization.
Time builds history
The age of your oldest and newest accounts, along with the average age, can influence how your credit history is viewed.
The accounts on your file
Models consider the mix of account types and how responsibly they've been managed. More accounts are not automatically better.
Applications and inquiries
Hard inquiries can affect scores, especially when several appear close together. We aggressively challenge inquiries that are unauthorized or reported incorrectly. Avoid unnecessary new applications during the repair process.
Turn information into action
We help identify reporting inaccuracies and follow corrections while you make informed choices about credit use, new applications, and longer-term goals.
Know what to focus on next.
Improving your credit profile may involve a mix of correcting inaccurate reporting and managing your current accounts. Your credit monitoring helps keep those changes visible as you work toward your next opportunity.
Explore High Line's credit repair services →