This graphic has been created using data published by the credit reporting agencies. The numbers are not exact! The purpose of this chart is to give you a general idea about what goes into your credit score, but not to quantify the actual effect of each factor. The actual credit score calculation is not publicly available.

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<a href=”http://www.creditrepair.org/wp-content/uploads/2010/07/credit-score.png” target=”_blank”><img src=”http://www.creditrepair.org/wp-content/uploads/2010/07/credit-score.png” alt=”Credit score calculation” width=”500″ border=”0″ /></a><br /><span style=”font-size:0.7em”>Presentation by <a href=”http://www.creditrepair.org”>Credit Repair</a></span>