: The single most influential factor. Lenders want to see that you consistently pay on time.
Improving your credit is a marathon, not a sprint, but you can see movement in as little as 30 to 45 days by targeting the high-impact factors of your score. improve-your-credit
Most lenders use the FICO model, which breaks down your score into five weighted categories. Understanding these helps you prioritize your efforts: : The single most influential factor