Payment history is the heaviest factor in every mainstream scoring model, which is why one miss outranks everything else.

High utilization has no memory, so the harm it does can be undone in a single billing cycle.

Closing an unused card raises your utilization without you spending a penny more.

A UK county court judgment paid in full within one month is removed from the register instead of sitting there six years.

Read the full guide

pennyandplan.com