A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts.
The Factor released by FICO, but it only says the portion not the calculation which won’t meet my goal of research.
35%: payment history
30%: debt burden
15%: length of credit history
10%: types of credit used
10%: recent searches for credit
Source: Wikipedia