# How is my credit score calculated? What does my credit score mean?

Written by Grow Credit Team  
July 21, 2025

Although all the credit bureaus calculate their scores slightly differently, there are a few factors that affect your [Vantage](https://www.chase.com/personal/credit-cards/education/credit-score/vantage-score-4-0) credit score:

- Payment history (approximately 41%)
- Age/ credit mix (approximately 20%)
- Credit utilization (approximately 20%)
- New credit (approximately 11%)
- Balances (approximately 6%)
- Available credit (approximately 2%)

For more information about the factors that can affect your credit score, see this [article](https://www.chase.com/personal/credit-cards/education/credit-score/vantage-score-4-0) about Vantage 4.0 from Chase.