The person with the 780 score:
- Has at least 10 credit accounts in total and a 15-year credit history.
- Uses 15% to 25% of her credit card limits.
- Has no late payments on her credit reports.
- Has no collection accounts or other major negatives.
The person with the 680 score:
- Has six credit accounts and an eight-year credit history.
- Uses 40% to 50% of her credit card limits.
- Was 90 days late on an account two years ago.
- Was 30 days late on another account one year ago.