Have you paid your bills on time?

A large factor in determining your credit score is if you have paid your bills on time.

Payment history typically is a significant factor. It is likely that your score will be affected negatively if you have negative payment history on your credit report. Negative payment history is things such as, if you paid bills late, had an account referred to collections, or declared bankruptcy. However you can still improve your credit if you have late or delinquent credit reporting in your history. Whether or not you have paid your bill on time, there are ways to improve your credit score and resolve your debt! Contact us and let us explain more about credit and debt improvement.