Positive Score Factors

  • Paying your bills on time improves your score

Keep paying bills on time every month since it is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time

  • Keep low balances on your accounts; this will benefit your score


  • Few or no installment accounts with delinquent or derogatory payment status.

An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans.

  • None or only a few recent delinquencies on your accounts.

A delinquency is a payment that was made 30 or more days late.

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