The number one factor…
…in determining your credit score is your payment history. If you make payments 30 or more days late quite often you will have a much lower credit score. If you pay your bills on time then your credit score will demonstrate this and be much higher. Your payment history generally accounts for roughly 35-40 percent of your total score. Since your credit score is very important in many areas of your life, it is important to work hard at keeping your credit score high.
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