Credit Building
How to Build Credit With a Credit Card
A credit card can build your credit history if you use it carefully. Here are the habits that matter, what does not help, and the mistakes that can set you back.
Read MorePayment History
Why on-time payments carry the most weight, and how to avoid missing one.
FICO weights payment history at 35% of its scores, the largest single share. The CFPB says most scores treat repayment history as the top factor, and that a late payment can remain on your credit report for seven years. Autopay for at least the minimum is one of the simplest protections available.