Your payment history is the biggest factor on your credit report. Payment history makes up 35% of your credit score. This determines your track record. Are you a responsible borrower, or a risky borrower? Lenders will look at this factor to determine the possible risk of you defaulting on...
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Late Payments: When Do They Affect My Credit Scores?
![Late Payments: When Do They Affect My Credit Scores?](https://msicredit.com/wp-content/uploads/2014/01/past-due-bill-200x150.jpg)