PAYMENT HISTORY IMPORTANCE ON YOUR CREDIT SCORE
The most important part in building your credit history is the PAYMENT HISTORY. This counts for 35% of your Beacon score.
The credit agency( such as Equifax, Transunion etc) look for it are:
-account payment information
-presence of adverse public records or collection records
-severity of deliqunecy
-number of past due items
-date of recent collection, public records and past due
-amount past due on deliquent or collection amounts
Basically, the most important thing is to pay all your trade lines, in full, and before the due date.
For more information you can contact me at 403-613-2205.