Your credit score is one of the most important numbers in your financial life. It affects your ability to get a mortgage, car loan, or even a credit card with competitive rewards. Understanding how your score is calculated and what factors influence it is the first step to building and maintaining excellent credit.
Payment history makes up 35% of your FICO score — the single largest factor. Making on-time payments every month is the most impactful thing you can do. Setting up autopay for at least the minimum payment ensures you never miss a due date.
