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Payment History is a record of every payment or non-payment for past extensions of credits you received. Approximately 35% of a FICO® Score is based on this information, and includes payment information on many types of accounts:

  • Credit cards – such as Visa, MasterCard, American Express and Discover.
  • Retail accounts – credit from stores where you do business, such as department store credit cards.
  • Installment loans – loans where you make regular payment amounts, such as car loans and mortgage loans.
  • Finance company accounts.
  • Public record and collection items – reports of events such as bankruptcies, foreclosures, lawsuits, wage attachments, liens and judgments.
  • Details on late or missed payments (“delinquencies”) and public record and collection items.
  • The number of accounts that show no late payments or are currently paid as agreed.

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