Nee to understand credit/clean up

[Anonymous]

Hello all, I'm  new here! My question to you all is;how do I break down my report so you guys can see what's hurting my score?

[Anonymous]

Have you done any reading on Fico scoring criteria?  The two biggest areas that can hurt a score are Payment History and Amounts Owed, specifically revolving (credit card) debt.  If you have issues in 1 of these categories isn't adversely impacting about 1/3 of your score, where if you have issues in both of them you're looking at 2/3 of your score being hurt.  If you're good in both of those areas, the final 1/3 of the pie is made up of lesser impact categories, which we can get into later based on your reply involving the 2 main categories.

[Anonymous]

Yes I do have issues with payment  and few late payments 3 in 2019, and a couple back in 2018,to be honest,I wasn't knowledge about credit and now just learning.I don't owe on those late payments,I just forget the due dates.

[Anonymous]

I would suggest reading up on Goodwill Letters, as going down that path could aid you in getting those late payments removed.  Check out this thread below.  The removal of your negative items will increase your scores far more than anything else you could do with your credit report.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-...