The #1 Way to Destroy 35% of Your Credit Score: Payment History Explained

Are you an honorable person? When you borrow a friend’s car, do you bring it back washed and with a full tank—or do you return it on E, crumbs on the seat, and say “thanks”?

That’s how the banks see it too. Payment history makes up 35% of your credit score because it tells them who you are—not just how much money you make.

They’re not just checking if you can pay… they’re watching if you do.

Be the person who handles business right. Be honorable.

Your credit reputation is like your name—guard it.