Have you ever wondered how you can be pre-approved for a credit card or receive an online approval within a matter of seconds? Or why some people are denied for credit while others aren’t? These things are based on a credit score, a three-digit number that creditors use to determine how likely you are to pay your bills on time.
Payment history makes up 35% of your credit score. Since most lenders want to know how timely you are at paying your bills, if you pay them at …