 TITLE: How to Get Your Credit Ready to Buy a Car CONTENT: 2\\. Always Pay Your Bills on Time\n---------------------------------\nYour payment history is the most important factor in your credit score, accounting for 35% of your FICO® Score. If you need to improve your scores, start by bringing any late payments current. Once you're caught up on payments, make sure you always pay your bills on time going forward.\nWhen you have a lot of bills to keep track of, it can be easy to forget a due date. Consider setting up automatic payments or using reminders on your phone or calendar to help you stay on top of your payments.\nUtility, cellphone bills and other monthly payments don't normally don't get reported to credit bureaus, but you can get credit for paying these bills on time by signing up for Experian Boost™† . This free service reports your on-time bill payments—even Netflix®—to credit reporting bureaus, which can instantly improve credit scores based on your Experian credit report. END