what drives your credit score

[Deleted]

I've heard of these suggestions but never heard the % impact of each:

www.clarkhoward.com/news/clark-howard/personal-finance-credit/how-achieve-maintain-high-credit-score/nTWGX/

[phunluvin82]

www.myfico.com/crediteducation/whatsinyourscore.aspx

"Amounts owed" I'm pretty sure refers to your utilization...so basically, the 2 major factors are payment history (i.e. no late payments, delinquent accounts, etc) and utilization.