Payment History Tips
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your FICO® score.
If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your credit score.
- Fix My Credit
- Credit Help
- Fixing Credit
- Credit Repair Guide
- How to Fix Your Credit
- How to Dispute Negative Items
- Cleaning Up Your Credit Report
- How to Improve Your Credit Score
- Steps to Rebuild Credit After Hardships
- How to Get Late Payments Removed
- How to Fix Credit After Identity Theft
- How to Fix Credit After Divorce
- How Long Do Negative Items Stay on Your Credit Report?
- Credit Industry
- Credit Repair vs. Debt Settlement
- Credit Repair vs. Bankruptcy
- Credit Repair Lawyers – Do You Need One?
- Credit Report Laws – Know Your Rights
- Consumer Rights Under FCRA & FDCPA
- How Credit Bureaus Operate
- How to Use Dispute Letters Effectively
- Debt Collection Laws – Know Your Protections
- Credit Repair Scams – How to Avoid Them
- DIY Credit Repair vs. Professional Credit Repair
- Negative Items
- How to Remove Derogatory Marks
- How to Remove Charge-Offs
- How to Remove Repossessions
- How to Remove Hard Inquiries
- How to Remove Late Payments
- How to Remove Bankruptcies
- How to Remove Foreclosures
- How to Remove Collections
- How to Remove Medical Bill Collections
- How to Remove Judgments
- How to Remove Evictions From Your Credit Report
- Understanding Credit
- What Is a Good Credit Score?
- How to Read a Credit Report
- How to Build Credit From Scratch
- Best Credit Cards for Bad Credit
- Personal Loans for Bad Credit
- What Is a Credit Utilization Ratio?
- How to Reduce Credit Card Debt
- How Do Credit Scores Affect Loan Approvals?
- What Are Soft vs. Hard Credit Inquiries?
- How to Report Identity Theft & Credit Fraud
- Security Clearance & Credit Report Verifications
- Security Clearance & Credit Scores – What Matters Most?
- How Credit Reports Impact Federal & Military Clearance
- How to Remove Financial Red Flags Before Clearance Checks
- How to Dispute Credit Errors for Security Clearance
- Debt & Security Clearance – How to Avoid Denials
- How to Handle Delinquent Accounts Before a Clearance Review
- How to Prepare for a Financial Background Check
- Debt Adjustment & Financial Strategy
- What Is Debt Adjustment & How Does It Work?
- Debt Adjustment vs. Debt Settlement – Which One Is Right?
- How to Get Relief from High-Interest Credit Card Debt
- How to Reduce Debt Without Harming Credit Scores
- How to Stop Debt Collectors from Harassing You
- How to Consolidate Debt & Improve Your Credit
- Best Strategies to Pay Off Debt Faster
- How to Negotiate Debt with Creditors
- Additional Legal & Consumer Rights Topics
- Fair Credit Reporting Act (FCRA) – Know Your Rights
- Fair Debt Collection Practices Act (FDCPA) – Protect Yourself
- How to File a Complaint Against a Credit Bureau
- What to Do If a Creditor Violates Consumer Rights
- How to Sue Credit Bureaus for Inaccurate Reporting
- How to Stop Unwanted Credit Inquiries
- How to Use Credit Freezes & Fraud Alerts
- Fixing Credit
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