|| How Credit Scoring Helps You | How Credit Scoring Works | | Your Credit Report | Checking Your Credit | What a FICO® Score Considers | | Interpreting Your Score | Facts & Fallacies | Average Credit Use | | How a Score Breaks Down | List of FICO Score Factors | How a Score Breaks Down  These percentages are based on the importance of the five categories for the general population. For particular groups — for example, people who have not been using credit long — the importance of these categories may be somewhat different.