Late Payments

Making payments on time is one of the best ways to keep or improve good credit. Late payments will stay on your credit history for up to two years, but like all negative information, it will affect your score less as time marches on. Learn more here about late payments mean to your finances.

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Pay Off Debt To Raise Your Credit Score and Improve Credit Report

Added July 23, 2009 by Ilyce R. Glink

Once you pay off your debt and you want to raise your credit score and improve your credit Report and history, try to negotiate with the credit card company to report your debt as "paid as agreed" and remove any negative information from your credit report.

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How Does Negative Information Affect Your Credit Score?

May 11, 2009

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Summary:

Your credit score is determined by looking at a combination of information from credit cards, available credit, payment history, and other financial information. Negative information like bankruptcies and liens can drastically lower your credit score, but the information won't stay there forever…

Watch Video: How Does Negative Information Affect Your Credit Score?