08/31/2026
Your payment history is a BIG piece of the puzzle—but it’s not the whole picture.
📊 Check out the chart to see what actually goes into your credit score, including:
💰 Payment history
💳 Credit Utilization
📆 Length of credit history
🆕 New credit
🔄 Credit mix
The takeaway? A good credit score isn’t built overnight—and it takes more than just paying your minimum payment on time.
Know what’s impacting your score so you can make smarter moves with your credit. 💡