FICO scores are determined as follows: payment history is 35%, prompt is best; amount owed counts for 30%, less is best. Length of credit history is 15%, longer is better.  Credit mix is 10%, varied debt types are superior to one type. Lastly, new credit counts for 10% and applications lower your score. 200 million consumers have a FICO score, just under 3 million have a perfect 850.