I had a tough year and was late paying some bills. How do I repair my credit score?
9 Financial Fumbles You Can Fix
- Rules for Paying Off Back Taxes
- Resolve a Complaint About an eBay Purchase
- Undo Your Social Security Claiming Decision
- Resolve a Dispute With a Home Contractor
- Amend Your Tax Return to Correct a Filing Mistake
- Repair Your Credit Score
- What to Do If You're Delinquent on Student Loans
- Change an Airline Ticket
- Get Out of a Time-Share Deal
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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