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A history of paying your bills on time will help your credit score.

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To keep up your progress and avoid losing ground, steer clear of behaviors that can lower your credit score.Credit usage is responsible for about 30% of your FICO Score. Credit scores generally benefit from longer credit histories.There's not much new credit users can do about that, except avoid bad habits and work to establish a track record of timely payments and good credit decisions.A credit score in the good range may reflect a relatively short credit history marked by good credit management.It may also characterize a longer credit history with a few mistakes along the way, such as occasional late or missed payments, or a tendency toward relatively high credit usage rates.

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