NEFE High School Financial Planning Program Unit 4 – Good Debt, Bad Debt: Using Credit Wisely 4-M-1 How Credit Scores Are Determined – FICO Scores Your payment historyYour payment history –Information about how you make your payments on credit cards, store accounts, car loans, finance companies, mortgages –Accounts in collection or past due, and how long past due –Information in public records, such as bankruptcy, judgments, liens, wage attachments or child support 321