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But if you can keep a clean record of payment for a year or more, you\u2019ll see your score improve.In the end, sustained on-time payments will trump past credit history. Pay your bills on-time (in full, when you can).\n Your credit card is a form of revolving debt, the kind that most impacts your score.It was the summer of 2015 that I read a post of Facebook on a brethren group’s page of a lady in her 30’s who was being told that she should accept the fact that it was not the Lord’s will for her to be married.She asked the group if what she was being told by her church family was true.You don\u2019t have to pay your balance in full every month in order to establish payment history, but keeping it as low as possible will help with that big factor in your FICO score.
After a week of prayer, I decided to send in my application which was quickly approved and by early September I had my profile up..............
Cards such as the Discover It (both the secured and unsecured versions) send your FICO score with your monthly statement, so you can keep track of progress.\n\u2013 and the rest of your bills too.\u00a0 Payment history counts for 35 percent of your FICO Score \u2013 the biggest chunk \u2013 and takes some patience to repair.
Consistent and timely payments are the single most important thing you can do to improve your score. Use auto-pay for recurring bills when you can, or set reminders for a few days before bills are due.\n Once a debt goes to a collection agency, it\u2019s on your record for seven years.
In the end, sustained on-time payments will trump past credit history. You don’t have to pay your balance in full every month in order to establish payment history, but keeping it as low as possible will help with that big factor in your FICO score.
“Amounts owed” accounts for 30 percent of your score.
As long as you’re not paying exorbitant fees, keep unused credit card accounts open for now.