Available Credit: The amount of available credit on all your accounts. Low balances are an indicator of good credit management and low lending risk. High balances on your accounts can indicate potential overuse, which can negatively affect your VantageScore.

Recent Credit: The number of recently opened credit accounts and credit inquiries. Taking on new debt or applying for a number of new accounts recently can be an indicator of credit risk.

Depth of Credit: The length of your credit history and the types of credit you have. A long credit history provides greater insight into how you manage credit, and so can have a positive affect on your VantageScore. A mix of various types of credit, such as revolving accounts and installment loans, can also have a positive affect on your VantageScore.

Balances: The amount of recently reported balances, both current and delinquent. Balances that have increased recently can be an indicator of credit risk.

Utilization: The percentage of the credit amount you have used or that you owe on accounts. Using a large percentage of your overall available credit balances is an indicator of credit risk.

Payment History: Your repayment behavior. VantageScore considers whether your payments are satisfactory, delinquent, or derogatory. It is important to pay your bills on time. Late payments negatively affect your VantageScore.