[SpicyLemonZest]

I do not have an 800 score despite never missing a payment on any account. I don’t know why my score is lower (they don’t tell you!) but my general understanding is that the original commenter is right and my score would be higher if I had more credit products.

[balderdash]

Yeah payment history is only 35% of your score, amount of debt is 30% of your score (stupidly they want that to be below 7% of available (revolving credit) - meaning they penalise if you spend $1k/month on a credit card (and pay it off each month) and your limit is $10k, where as if your limit was ~$16k they look upon it favourably), length of history 15% (changing loan providers or credit cards hurts you here - despite flawless payment history), credit mix 10% (so if you just have credit cards this hurts you)