Josh: Okay, the main parts of credit score, explain a little bit about payment history.

Samira: There’s really three to four parts of a credit score. One of them is the payment history. It makes a lot of sense. If you’re paying late, it’s going to hurt your score. Some people don’t understand that. They think that, well, if I pay the late fee then I’m not late. Sometimes, if you pay the late fee and you pass 30 days then you are considered late even though you paid the late fee. It does hurt your credit score. That’s the issue with payment history.