Guide

Payment History and Credit Scores

Payment history is a major factor in credit scores. Learn how on-time payments, late payments, and reporting work under the FCRA.

Updated JanuaryEducational information only

Partner option

Review your credit reports with TransUnion

If you want to check your own credit reports, you can do so directly with TransUnion, one of the national credit reporting companies. This is a commercial option offered separately from our credit education content.

Visit TransUnion to review your credit report (opens in a new tab)

CreditInformation.org participates in affiliate marketing programs through third-party affiliate networks and merchant partner programs. When you click certain links and complete a purchase or sign-up, we may receive a commission at no additional cost to you. This compensation may influence which products or services we mention and where they appear, but it does not change our editorial descriptions or the substance of our educational content. Affiliate relationships are disclosed on the pages where affiliate links appear.

Keep reading