http://winkelly.com - Credit bureaus and lenders look critically at your payment history to determine their risk in offering you a loan of any type. Your payment "habits" here are key. Late and partial payments weigh, heavily in their consideration and negatively against your credit standing. Make your best effort to always make regular, on-time payments to show that you are a responsible individual who consistent and trustworthy. Avoiding late fee charges is also a benefit of making on time payments.

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