There are five different elements that make up your score, and they take into account both positive and negative information in your credit file. Another important thing is that some are weighted more heavily than others. Let’s take a look at each:
35% payment history
Some of the most critical information in your credit report is your payment history - do you pay your bills on time? While getting behind can put a big ding in your score, getting back on track and re-establishing a good payment record will help it recover