A credit score is a unique thing: and one that has a unique formula to evaluate your information. Your FICO® Score powered by Experian data considers a specific set of five factors when it looks at information in your Experian credit report. When you know the items that go into the scoring calculation, you can start to see how your credit behaviors are reflected back in your Score. And when you know that, you’ll know how your actions – whether great or not – are impacting your credit scores.