Yeah payment history is only 35% of your score, amount of debt is 30% of your score (stupidly they want that to be below 7% of available (revolving credit) - meaning they penalise if you spend $1k/month on a credit card (and pay it off each month) and your limit is $10k, where as if your limit was ~$16k they look upon it favourably), length of history 15% (changing loan providers or credit cards hurts you here - despite flawless payment history), credit mix 10% (so if you just have credit cards this hurts you)