 TITLE: 6 Ways to Build Credit Before College CONTENT: 4\\. Build Credit With On-Time Payments\n--------------------------------------\nThe biggest factor in your credit score is how frequently you pay your bills on time. Payment history accounts for 35% of your FICO® Score☉ , the one lenders most commonly check. From your very first loan or credit card payment, set due date reminders on your phone—or, even better, schedule automatic payments from your checking account each month.\nYour No. 1 goal from the beginning of your credit journey should be never to miss a bill payment, since doing so has the largest impact on your score. END