Question 1

What affects my credit score the most?

Accepted Answer

The biggest factors affecting your credit score are:
✅ Payment History (35%) – Paying bills on time is crucial.
✅ Credit Utilization (30%) – Keep credit card balances low.
✅ Credit History Length (15%) – The longer your accounts have been open, the better.

Question 2

How can I improve my credit score?

Accepted Answer

✅ Pay bills on time.
✅ Keep credit utilization below 30%.
✅ Avoid opening too many new accounts at once.
✅ Check your credit report for errors and dispute inaccuracies.
✅ Maintain old credit accounts to build a long credit history.

Question 3

How long do negative items stay on my credit report?

Accepted Answer

? Late payments: 7 years
? Bankruptcies: 7–10 years (depending on type)
? Hard inquiries: 2 years
? Collections: 7 years

FIX YOUR CREDIT: WORKSHOP

Overview

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Location

Frequently asked questions

Organized by

Cranesha Shaw

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