Credit Score Boost: How Your Behavior Affects Your Credit

Past payment credentials – up to 35%

This is in fact the top concern of potential lenders: Will you pay them back, and on time? To determine this, they may consider the following factors from a credit report to gauge your financial trustworthiness:

  • Do you pay your bills, loans, and credit card payments on time?
  • If you have been late, is this a consistent problem? The longer you have delayed, the more the negative impact on the credit score.
  • Do you have a history with credit or debt collection, bankruptcy, foreclosure, or lawsuits due to delayed or non-payment?

To lenders, late payments may be due to financial instability, but non-payments indicate unreliability. However, they will still consider your recent history before finalizing your credit score.

Therefore, if you declared bankruptcy five years ago but have a clean payment history for the past year, your financial credibility can be salvaged.

Small-cap winners galore

The big stock market winners share one common attribute: Near the beginning of the ascent of their shares, the companies offer revolutionary products or services, are market leaders in their respective industries, or both. Some big stock market winners that possessed the attributes outlined above are Netflix (NFLX), which we recommended to investors in October 2002; Intuitive Surgical (ISRG), which we bought and recommended in July 2004; Baidu.com (BIDU), which we bought and recommended in August 2006; and MercadoLibre (MELI), which we recommended to investors in October 2010. Get up-to-date small-cap stock picks from David Frazier, editor of Small-Cap Profit Confidential.
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Smarter cryptocurrency investments

The stock market crash of 2008 was the catalyst for his journey into alternatives. And interestingly, it was the impetus behind the creation of Bitcoin and the blockchain technology behind it. Keene Little wasn’t ready to risk his money yet but he was very curious, so he began charting Bitcoin’s technical patterns. What finally convinced him to dip a toe into digital currencies was seeing that they followed familiar price patterns that could be analyzed and successfully acted on. Now he shares those insights with subscribers to the Crypto Wealth Protocol.
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