Come on people! Only 21% of Americans 18+ know the factors that contribute to their credit scores, but 11% spend more than 10 hours a day worrying about debt. This, according to a fourth quarter survey by FreeScore.com, also shows the average consumer spends four hours a day worrying/thinking about debt. Remember the top five credit factors include Payment history (35%); Amounts of money owed (30%); Length of credit history (15%); New lines of credit (10%); and Types of credit used (10%). Knowledge is power!