What Affects Your Credit Score The Most?

A credit score is a three-digit numerical expression that represents your creditworthiness and is derived based on your credit files. Almost all financial institutions or lenders, before offering a loan, pull your credit history to assess your ability to pay …

Does Late Payment Hurt My Credit Score?

Payment history is undeniably the critical element of your credit score. A well-built credit rating is imperative for bank accounts, credit cards, mortgages, loans, car insurance, mobile phone contracts, etc. It is no wonder that late payments are damaging. They …