This is from the website at : http://www.mortgagecounselors.com/loanprocess.html Obviously these are excerpts only.If you want the whole deal, read the whole thing...but this is interesting...anyone see any correlations? Has anyone seen these percentages before? +++ "Credit scores are based on five factors: 35% of the score is based on payment history, 30% on the amount owed, 15% on how long youâ??ve had" credit, 10% percent on new credit being sought and 10% on the types of credit you have. " ++++ Theres also a chart there that gives interesting "general guidelines for credit scoring" with scores and stuff like # of late pays, etc. It's that chart I've found so interesting...tried to post it but the table data gets weird looking in this format. What do you guys think? Sarah