Your credit score is 5 ingredients mixed in fixed proportions. Payment history dominates (35%) — utilization is close behind (30%). The rest matters less, but still matters. Click any slice in the donut to see how to win that category.
Every late payment (30+ days) gets reported. Missed payments live on your report for 6 years. ONE 30-day late can drop a 750 score to 670. By far the biggest factor.
Spend 80% of your effort on the top 2 factors (payment + utilization = 65% of score). They're also the FASTEST to move — both reset every statement cycle.