The first item and the most important item is your payment history. Your payment history comprises 35% of the typical score. When it comes to negative marks like late payments, the score focuses on three factors. Regency, in other words how recent you got into trouble. The more time that has passed, the less it affects your score, frequency, how often it happens and severity, are they 30 6090 120 days late. Remember, the higher your score is the more significant the score drop will be ranging from 125 points to let's say 30 points.

For example, if your score was at 800, it will drop 125 points about that. If your score was 600, you will drop about 30 points.