There are a number of factors that affect your credit report. You need to be aware of these factors else you might end up ruining your credit. Even a single delay in a payment can cause your credit score to dip.

1. Payment History: Your payment history is the most important factor of your credit report. Almost 35% of your score depends on the payment history. You need to make sure that you make your payments on time

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There are a number of factors that affect your credit report. You need to be aware of these factors else you might end up ruining your credit. Even a single delay in a payment can cause your credit score to dip.

1. Payment History: Your payment history is the most important factor of your credit report. Almost 35% of your score depends on the payment history. You need to make sure that you make your payments on time and

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How important is a good credit score? Pretty important, especially for your financial life. Your financial life depends on the credit score you have. It gives a measure of your trustworthiness and the regularity with your payments. You future creditors refer to your credit report before then allow you loans or mortgages.

A good credit score entitles you for low interest rates and easy loans and credit. On the other hand a bad credit report would rate you as a defaulter and some creditors

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