: The variety of accounts, such as credit cards, mortgages, and auto loans.
: Considers the age of your oldest and newest accounts. experian credit scores
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 : The variety of accounts, such as credit
: Recent hard inquiries and newly opened accounts. Scoring Models and Ranges : The variety of accounts
: The most critical factor; even one 30-day late payment can cause a significant drop.
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