Know just what a perfect credit history is actually Payment record . This shows regardless if you have made costs punctually. One to later percentage can be significantly ding their get. One of these: A thirty-big date delinquency can cause up to an excellent ninety- so you can 110-area get rid of into a rating regarding 780 having a customer whom have not skipped a fees ahead of, centered on Equifax. Debt-to-borrowing from the bank use proportion . This is…