Your CTOS score reflects your creditworthiness, based on various factors including payment history, amounts owed, credit history length, credit mix, and new credit. Each factor has a different weight on your score:Payment History (45%): This is the core of your score, indicating your...

 Your credit score will drop immediately when you miss a payment. To bring the score back up, it will take a minimum of 3 months of consistent payment behavior to see some improvement. Payment history is the most important factor in credit scoring,...