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If you feel as though your credit score is some sort of mysterious secret, then you are not alone. While there is no verifiable statistic as to how many people feel this way, the fact that the credit reporting agencies don’t readily reveal their calculation methods makes easy to see why people are in the dark about it.

You may not need to know the exact formula, but it’s still smart to have an understanding of how they come up with your credit score so you can whatever possible to maintain or improve your score.

After all, if you don’t know what goes into your credit score, there is no real way to do anything about it. Having a better idea of what elements go into determining it and how it’s calculated allows you to have more control over your financial health. With that in mind, here is a breakdown of what the credit score is made of.