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  •  Hi Sir, I need some information about my credit. I have never checked my credit score but I have bought a lot of things and been paying back on my credit card but not always on time 
  • Well from what your telling me your would probably be considered an okay credit because your paying your card but your paying later, which accumulates late fees and a lot of companies look at that
  • So if I pay on time my credit will increase? Do all my late payments go to companies?
  • Not necessarily, paying your off your credit card bill in full and on time that increases your credit. If you pay your credit before a certain dead line or due date you wont have to worry about your credit being sent to the credit report bureas. Also paying on time you have to pay interest fess or late payments 
  • Okay thank you! this was so helpful!
  • And also my advice to you is to pay on time and in full and if you know your not going to be able to pay off what you bought don't buy it. The lower the credit the more your credibilty decreases.
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