Which of the following scenarios will least negatively impact a credit score?

consistently making late payments

keeping a high balance on credit cards

having a short credit history

keeping only one type of credit

Question

Which of the following scenarios will least negatively impact a credit score?

 consistently making late payments

 keeping a high balance on credit cards

 having a short credit history

 keeping only one type of credit

jim766 · Answer

http://www.investopedia.com/articles/pf/10/credit-score-factors.asp this says that consistently making late payments is biggest neg factor

anonymous · Answer

what about LEAST negatively??

jim766 · Answer

I think having just one credit card, the other ones are pretty bad

anonymous · Answer

Are you sure not the 3rd one??

jim766 · Answer

they are most concerned about your ability to pay

a short credit history is a flag for this

only having 1 credit card, maintaining a balance and paying on time
would affect you the least.