Credit score killer - How Payment History Impacts Your Credit Score

On the flip side, if you open a credit card account, make charges that approach the credit limit, or fail to pay off the balance in full each month, then the credit card is almost certainly going to hurt your credit scores.

In fact, a study released by the Federal Trade Commission in 2013 found that 1 in 5 Americans has a mistake on at least 1 of their 3 credit reports.

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In addition to the public record, each debt that was included in the bankruptcy will be noted as such on your credit reports.

If you have any collections or judgments, pay them off as soon as possible.

Without any credit history, you're typically considered unscoreable, meaning there isn't enough activity on your credit file to calculate a score.