-  35% of your credit score depends on your payment history. If you have never been late on a payment, your score should be pretty solid. If you are consistently late, stop it. Get in a better habit or your score will continue to suffer.

-  30% depends on the total amount of credit you owe relative to the amount of credit limits you have open. For instance: If you have two credit cards that each have a credit limit of $10,000 (total $20,000) but you are only using $1000 of that open credit then that is a pretty good percentage. One way to improve this is to apply for a few more credit cards. Use them only once and on a very small purchase. Pay off the purchase in two monthly payments and then never use the card again but keep the line of credit open. This will lower you score at first, but after six months your score will start to increase immensely. For a list of great credit cards to apply for in order to increase your credit score check out CardOffers.com, Creditcards.com, and many other credit card websites (Google it!).

-  15% depends on the length of your credit history. How can you improve this? You can either get a time machine and transport to several years in the future or simply let time do it's thing by waiting patiently.

-  10% depends on your pursuit of new credit. When you shop for a lot of credit within a small amount of time you raise a red flag. So, when you are applying for those credit cards we talked about before, just spread a few of them out over several months.

-  10% depends on the mix of your credit. The richer the mix you have the better. For example, having a mortgage, home equity loan, credit cards, and an educational loan is healthier than only having credit cards.