Payment history
Whether you paid on time, and how badly you did not.
Service · Coaching
Credit coaching
Disputes only address what is wrong on the file. Sixty-five percent of the score is driven by payment history and amounts owed — things no dispute can touch. Coaching is the part of the work that moves those.
What is actually included
- A statement-date map for every revolving account, so the balance that gets reported is the one you intend
- A payment sequence that protects the largest factor first — current accounts stay current before anything else is attempted
- Guidance on which old accounts to keep open and why closing one raises utilisation the same day
- Plain arithmetic on secured cards, authorised-user tradelines and instalment mix — including when they are not worth it
- A written plan you keep, whether or not you stay a client
What it cannot do
- Coaching is education, not financial advice, and we are not a law firm or a licensed financial adviser.
- Nothing in a coaching plan is a prediction. We will tell you which direction a lever pushes; we will not tell you how far.
Where a coaching plan actually pulls
Sixty-five percent of the model sits in payment history and amounts owed. Those are the two a dispute cannot touch, which is why coaching exists at all.
35% 30% Amounts owed
Mostly revolving utilisation — what you owe against your limits.
15% Length of credit history
The age of your oldest account and the average age of all of them.
10% New credit
Recent hard inquiries and recently opened accounts.
10% Credit mix
Whether you have both revolving and instalment accounts.
Weights are FICO’s published approximations for the general population. Your own file may weight them differently — someone with a thin file leans harder on length of history, and a recent serious delinquency dominates everything else.
Factor weights, as a table
| Factor | Weight | What it measures |
|---|---|---|
| Payment history | 35% | Whether you paid on time, and how badly you did not. |
| Amounts owed | 30% | Mostly revolving utilisation — what you owe against your limits. |
| Length of credit history | 15% | The age of your oldest account and the average age of all of them. |
| New credit | 10% | Recent hard inquiries and recently opened accounts. |
| Credit mix | 10% | Whether you have both revolving and instalment accounts. |
The statement-date lever, in numbers
Same four cards, same total balance of $6,400 — arranged so the balance that reaches the bureau on each statement date is lower on the cards with small limits. Aggregate utilisation is unchanged in the first arrangement and 24% in the second. This is arithmetic, not a promise about your file.
Common questions
- Is credit coaching charged up front?
- No. Under the Credit Repair Organizations Act no money may be charged or received before the promised services have been fully performed. There is no setup fee, retainer or deposit.
- Can this remove accurate negative information?
- No. Accurate, current and verifiable negative information cannot lawfully be removed from a credit report by anyone. What this service can do is establish whether an entry is accurate in the first place.
- Can I do this myself instead?
- Yes, and at no cost. Every right exercised here is one you already hold. Free reports come from annualcreditreport.com and our do-it-yourself guide sets out the same process we run.