3: The length of time you've had credit (can account for up to 15% of your credit score). If you've not had credit accounts for very long, you may not have enough of a history to let lenders know whether you make a good credit risk. Not having had credit for a long time can affect your credit score. You can counter this by keeping your accounts open rather than closing them off as you pay them off.

4: Types of credit you have (can account for about one tenth of your credit score). Lenders like to see a mix of financial responsibilities that you handle well. Having bills that you pay as well as one or two types of loans can actually improve your credit score. Having at least one credit card that you manage well can also help your credit score.

As you can see, it's only possible to estimate how much a certain area of your credit report affects your credit score. But, keeping these four areas in mind and making sure that each is addressed in your personal plan will go a long way towards making your personal credit repair plan comprehensive enough to boost your credit score effectively.
About the Author

Darren Yates is the owner of http://www.1stfinanceguide.com a General Finance Guide covering debt, credit, loans, insurance, real estate etc. featuring advice by real people. Hundreds of useful articles on all aspects of Finance are available to help you.