CTOS score
A 300–850 signal of how risky your credit profile looks.
CTOS is a private credit agency. Payment history is the largest factor at about 45%, followed by amounts owed, credit mix, new credit and history length.
Why it matters
A stronger score can make approvals easier and protect your rate spread.
Quick tip
Pay on time, keep card balances below 30% of the limit and avoid many applications at once.