Before we get into the restoration process. Let’s look at what makes up your credit score. 15% of your credit report is length of credit history, 10% of your credit report is credit mix, 10% of your credit report is new credit, 30% of your credit report is how much you owe & 35% of your credit report is your payment history. Understanding what makes up your credit will give you a clear view of how your score is weighted and the most strategic ways to keep in healthy. The ability to maintain both a low balance and a good payment history can really be improved with a focused budgeting strategy.