Learn how closing a credit card affects your credit score, how to decide when to keep or close a credit card and alternatives to closing your card.| www.experian.com
The most important factor of your FICO Score is your payment history, which makes up 35% of your score. Here’s what other factors matter.| www.experian.com
Late payments remain on the credit report for seven years. The seven-year rule is based on when the delinquency occurred.| www.experian.com
The original delinquency date is the date the account first became delinquent and was not brought current, or the first late payment in a series.| www.experian.com
Learn when late payments get reported to the credit bureaus, how they affect your credit score and how long late payments stay on your credit report.| www.experian.com
Maintaining a clean payment history—or refurbishing a spotty one—can help you improve your credit scores and save you money.| www.experian.com