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Credit Repair & Financial Advice Blog

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Payment History: Credit Scores Broken Down – Part 1

Payment History Education Video

How Payment History Affects Your Credit Score

Video Summary & Highlights

Payment history is the single most important factor in your credit score, accounting for 35%. 

While making payments on time is crucial, it’s not the only factor that affects your score.

Having few accounts can make your score more susceptible to damage from late payments.

It’s important to understand the reporting window for late payments.

The speaker, Derek Vogel, encourages viewers to manage their payments carefully and promises to cover credit cards in more detail in part two.




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