 TITLE: Consumers in Top Credit Ranges Have Highest Debt CONTENT: Paying on Time Is Key to High Credit Scores\n-------------------------------------------\nWhile survey respondents thought debt played a serious role in credit scores—many even thinking it had a negative effect—36% reported they felt carrying debt was not problematic as long as all payments were made on time.\nIndeed, no credit score can reach the top range if a borrower doesn't pay their bills on time. Payment history is the most important aspect of calculating a credit score, and even one late or missed payment can have a serious impact on scores. Borrowers looking to manage a high amount of debt while maintaining a good score can do it as long as they make all debt payments on time and know all the factors that affect credit scores. END