Posted on March 22, 2009 at 4:11 am If you want to improve credit score, you have to pay your bills. But take note, you have to pay them ON TIME. This means that whenever you get your bill from your credit card company or from other billings, you need to pay them before they are due. If you pay them up a day after its due date, too bad, you would end up with a negative credit score. Payment history is one way of determining your credit score. It actually comprises of 35% of the total evaluation of your credit rating. You should constantly pay your bills on time, every time. Payment history can go back as far as five years. So if you have a habit of not paying on time, then it can affect your credit score adversely.

Posted on March 22, 2009 at 8:26 am That's easier said than done. You can talk the talk but can you walk the walk?