credit & debt

Repairing Your Credit Score

Here's how to revive your credit score over time.

I had a tough year and was late paying some bills. How do I repair my credit score?

Getting current on any overdue bills is crucial. Payment history is the largest component of the FICO score and VantageScore, two measures that lenders commonly use to judge whether to grant credit to potential borrowers. And how late the payment is matters: A 60-day delinquency, for example, can be more damaging to your score than a 30-day delinquency, says Ethan Dornhelm, senior director of scores and analytics for FICO.

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