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, which accounts for 45% of your score. Therefore, late payments will have a big impact on the damage to your score.
Check your latest MyCTOS score report to know if you have any missed payments and how your credit health is doing, so you can take early steps to fix any issues.
Credit to: CTOS
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