Payment History: What Does It Mean?
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Your track record of making payments on time—the most important factor in your credit score, accounting for about 35% of the calculation. Every payment you make (or miss) tells a story about your reliability. The good news? Payment history rewards consistency over perfection. A few late payments won't ruin you if you get back on track, but patterns of missed payments will haunt your credit report for up to seven years. This is where building good habits pays off literally.
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