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whats up guys ryan and i wanted to talk today about how to build good solid payment history one of the biggest things people dont realize is payment history is 35 of your score and whats the best way to build payment history by making more payments and showing that you are responsible with regards to the credit or to the debt that you actually have well how do you show your responsible borrower by paying all your bills on time when you look at credit karma and you dive into each individual account it is going to tell you and or show you how many on-time payments you have actually made if for example you miss one yes unfortunately youre going to see one of these okay but the best way to get rid of that negative payment lets say youve missed some payments in the past is by adding more of these check marks okay the more you add positive on-time payments the more its going to dilute this little payment that you missed you shouldnt miss any payments okay you should be setting yours
