Pawn

Credit Fundamentals

How Credit Actually Works

Decode the 5 scoring factors that move your number.

Lesson 1 of 5 ~45 min

Your credit score is a 5-factor weighted formula: payment history (35%), utilization (30%), length of history (15%), credit mix (10%), and new credit (10%).

The bureaus don't grade character — they grade behavior. Every move you make is a data point that either earns or loses you board position.

In this lesson we map each factor to the lever you can actually pull this week to start moving your number.