How the 7-Year Rule Affects Your Credit Score Missed payments are credit score kryptonite. Payment history accounts for 35% of your FICO score — no other factor carries more weight.

How to avoid credit card late fees after a court threw out a proposed cap The average late fee for major issuers has steadily ticked up since the 2010s, going from $23 at the end of 2010 to $32 in ...