I've really just started looking into the whole credit repair thing over the past few days. From what I can tell, the way credit scores are calculated is a mystery to everyone, and protected better than Fort Knox. But there has to be some basic guidelines, some framework by which we can somewhat understand what we're doing right & wrong.

Does anyone know anything more than good credit boosts your score, while debts & late payments hurt your score? Is there anywhere I can see "in general" what goes into making my credit score?