What Builds Your Credit Score

A finance-literacy infographic breaking down what makes up a credit score, built around a semicircular gauge from 'poor' to 'excellent' with a needle pointing at a sample 720. A donut beside it splits the factors - payment history 35%, amounts owed 30%, length of history 15%, new credit 10%, credit mix 10% - each with an icon and a one-line tip. Clean flat style, a trust-blue, green and amber palette on white. Bold title 'What Builds Your Credit Score' top-left, a small do-and-don't list.

一张金融素养信息图,拆解信用分的构成,以一个从「差」到「优」的半圆仪表盘为核心,指针指向示例的 720。旁边一个环形图分解各项因素——还款记录 35%、欠款金额 30%、账龄长度 15%、新增信用 10%、信用类型 10%——每项配一个图标与一句提示。干净的扁平风格,信任蓝、绿与琥珀配色,白底。左上角粗体标题「信用分由什么构成」,一份小小的宜与忌清单。