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Module 2 of 10
35% of your FICO scorePayment History
The single most powerful factor: 35% of your score
4 free lessons in this module
1
Why Payment History Rules Everything
35% of your score, and the one factor lenders trust most
9 min
2
What Actually Gets Reported: It's Not What You Think
Reporting timing trips up even careful people
8 min
3
Late Payments: How Bad Are They Really?
What a late payment really costs, and how the damage fades
10 min
4
Collections, Charge-offs and the Nuclear Options
Never pay a collector before you check the paperwork and the dates
11 min