Here’s a Tip for you

The further you get away from the delinquency, the less impact it will have on your scores. The best “status” you can have on any account is “Paid As Agreed.” This means that the account is being paid according to the terms of the agreement you signed with the creditor

Factors affecting
Credit Score

Payment History

Credit Card Utilisation

Age of Credit

Total Accounts

Credit Overview

Total Current Credit