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In this YouTube tutorial, Ryan emphasizes the importance of building a good payment history to improve credit scores. He points out that payment history makes up 35% of your score and suggests making more on-time payments to show responsibility. He recommends paying all bills on time to show good borrowing habits. Using Credit Karma, you can track your on-time payments and strive to add more positive marks to outweigh any missed payments. The goal is to avoid missing any payments to maintain a strong payment history and improve your credit score.