{"action":"opened","issue":{"url":"https://api.github.com/repos/QwestCreditEnhancement/help/issues/6","labels_url":"https://api.github.com/repos/QwestCreditEnhancement/help/issues/6/labels{/name}","comments_url":"https://api.github.com/repos/QwestCreditEnhancement/help/issues/6/comments","events_url":"https://api.github.com/repos/QwestCreditEnhancement/help/issues/6/events","html_url":"https://github.com/QwestCreditEnhancement/help/issues/6","id":93315270,"number":6,"title":"Payment History Accounts for 35%","user":{"login":"QwestCreditEnhancement","id":12398939,"avatar_url":"https://avatars.githubusercontent.com/u/12398939?v=3","gravatar_id":"","url":"https://api.github.com/users/QwestCreditEnhancement","html_url":"https://github.com/QwestCreditEnhancement","followers_url":"https://api.github.com/users/QwestCreditEnhancement/followers","following_url":"https://api.github.com/users/QwestCreditEnhancement/following{/other_user}","gists_url":"https://api.github.com/users/QwestCreditEnhancement/gists{/gist_id}","starred_url":"https://api.github.com/users/QwestCreditEnhancement/starred{/owner}{/repo}","subscriptions_url":"https://api.github.com/users/QwestCreditEnhancement/subscriptions","organizations_url":"https://api.github.com/users/QwestCreditEnhancement/orgs","repos_url":"https://api.github.com/users/QwestCreditEnhancement/repos","events_url":"https://api.github.com/users/QwestCreditEnhancement/events{/privacy}","received_events_url":"https://api.github.com/users/QwestCreditEnhancement/received_events","type":"User","site_admin":false},"labels":[],"state":"open","locked":false,"assignee":null,"milestone":null,"comments":0,"created_at":"2015-07-06T15:59:43Z","updated_at":"2015-07-06T15:59:43Z","closed_at":null,"body":"Payment History Accounts for 35%&hellip;<br>\nhttp://ift.tt/1S30hdI<br><p style=\"font-weight: normal; color: #000000;\">Consumer payment history is the largest aspect of the credit score, as you might expect.&nbsp; In total payment history accounts for 35% of the total score.</p>\n<p style=\"font-weight: normal; color: #000000;\"></p>\n<p style=\"font-weight: normal; color: #000000;\">This aspect of the total score calculation is based on prior payment history with creditors.&nbsp; Late payments, defaulted accounts, bankruptcies, and all other negative information on the credit report have the greatest effect.</p>\n<p style=\"font-weight: normal; color: #000000;\"></p>\n<p style=\"font-weight: normal; color: #000000;\">The scoring model is based on your potential to go 90 days late on an account within the next 2 years.&nbsp; Any recent late payments are a big reflection that the consumer will default, and their credit score plummets as a result.</p>\n<p style=\"font-weight: normal; color: #000000;\"></p>\n<p style=\"font-weight: normal; color: #000000;\">Altogether, payment history accounts for 35% of the total consumer credit score.&nbsp; The more positive accounts clients have, make for a much higher credit score.</p>\n<br><br>\nvia Qwest Credit Enhancement Blog http://ift.tt/1HzYUBV<br>\nJuly 06, 2015 at 11:43AM"}}