: Recent hard inquiries and newly opened accounts. Scoring Models and Ranges
: The most critical factor; even one 30-day late payment can cause a significant drop.
Lenders choose between different models, though 90% of top lenders use FICO® Scores. Standard ranges for these scores include: What Is a Good Credit Score? - Experian experian credit scores
Experian credit scores, primarily FICO® Scores and VantageScore® models, are numerical representations of creditworthiness ranging from 300 to 850. As of September 2025, the average U.S. credit score was 713. Core Scoring Factors
: Includes total debt and credit utilization (percentage of available credit used). : Recent hard inquiries and newly opened accounts
: The variety of accounts, such as credit cards, mortgages, and auto loans.
Scores are calculated using data from your Experian credit report based on five weighted categories: Standard ranges for these scores include: What Is
: Considers the age of your oldest and newest accounts.