• Account payment information on specific types of accounts (credit cards, retail accounts,
  installment loans, finance company accounts, mortgage, etc.)
• Presence of adverse public records (bankruptcy, judgements, suits, liens, wage
  attachments, etc.), collection items, and/or delinquency (past due items)
• Severity of delinquency (how long past due)
• Amount past due on delinquent accounts or collection items
• Time since (recency of) past due items (delinquency), adverse public records (if any), or
  collection items (if any)
• Number of past due items on file
• Number of accounts paid as agreed

• Amount owing on accounts
• Amount owing on specific types of accounts
• Lack of a specific type of balance, in some cases
• Number of accounts with balances
• Proportion of credit lines used (proportion of balances to total credit limits on certain
  types of revolving accounts)
• Proportion of installment loan amounts still owing (proportion of balance to original loan
  amount on certain types of installment loans)

• Time since accounts opened
• Time since accounts opened, by specific type of account
• Time since account activity

• Number of recently opened accounts, and proportion of accounts that are recently
  opened, by type of account
• Number of recent credit inquiries
• Time since recent account opening(s), by type of account
• Time since credit inquiry(s)
• Re-establishment of positive credit history following past payment problems

• Number of (presence, prevalence, and recent information on) various types of accounts
  (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)

Please note that:

• A score takes into consideration all these categories of information, not just
  one or two.
  No one piece of information or factor alone will determine your score.
• The importance of any factor depends on the overall information in your credit
  report.
  For some people, a given factor may be more important than for someone else with a
  different credit history. In addition, as the information in your credit report changes, so
  does the importance of any factor in determining your score. Thus, it's impossible to say
  exactly how important any single factor is in determining your score - even the levels of
  importance shown here are for the general population, and will be different for different
  credit profiles. What's important is the mix of information, which varies from person to
  person, and for any one person over time.
• Your FICO score only looks at information in your credit report.
  However, lenders look at many things when making a credit decision including your
  income, how long you have worked at your present job and the kind of credit you are
  requesting.
• Your score considers both positive and negative information in your credit
  report.
  Late payments will lower your score, but establishing or re-establishing a good track record
  of making payments on time will raise your score.