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  • How your FICO credit score is calculated: Payment history
  • June 22, 2011
  • In calculating a FICO credit score, the most important factor is payment history. The calculation is complex, but ultimately boils down to one question: Do you pay your bills on time?

  • View more at: http://www.creditcards.com/credit-card-news/fico-credit-score-payment-history-1270.php?aid=2741cce8&rss_lnk=25