Building Good Credit
Back to Basics
Want to improve your credit score? If you have missed payments in the past, work hard to get all accounts current and keep them current. The longer you pay your bills on time the better your credit score. (In fact, one of the biggest factors in credit scoring is payment history.)
Keep in mind that older credit problems have less impact on your score over time. The key is to build a consistent, long-term record of on-time payments.
If despite your best efforts you still struggle to make payments on time, consider a reputable credit counselor. Getting back on track will improve your credit score, and getting assistance from a credit counseling firm will not lower your credit score.