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See it now » Have you ever wondered how using your credit affects your credit score?

With so many misconceptions about carrying balances month to month, this can be confusing.

Do you make sure to pay everything early or on time? Your payment history makes up 35% of your credit score—and it’s the biggest portion.

If you want to see where you’re at, your free credit report summary will show you.

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The Vantage and FICO scoring models are the scores that most lenders use to evaluate you when you apply for a new credit card, a mortgage, and other types of accounts.

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