 TITLE: Don’t Kill Your Credit Score: 5 Strategies to Help It Thrive CONTENT: 4\\. Do Not Fall Into a Pattern of Late Payments\n-----------------------------------------------\nThe biggest factor in determining your credit score is whether you make payments on time. The best thing you can do to keep your credit scores healthy and flourishing is to be vigilant about never missing a payment. Even if you can't afford to pay off a balance in full, it's vital that you make at least the minimum payment on time. END