Charles NoonanPresident, Landbank University · Real Estate Developer & Instructor

Credit Score Secrets: Avoid These Mistakes! (Boost Your Score!) #shorts

4 Nov 2025 · 1 min

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0:35

Charles Noonan breaks down credit scores: payment history makes up 35% of your score, and derogatory items like late payments, charge-offs, and collections can drop it by at least 100 points. Avoid them.

Questions this video answers

Five areas.

35%.

A minimum of about 100 points.

Chapters

The first thing that makes up your credit, there's five areas. First of all, to make up your credit score and profile your payment history. How do you pay your bills? How have you been paying your bills? That's 35% of your score itself. So, meaning if you got a late payment, a charge off a collection, a repossession, a bankruptcy, a foreclosure, there could be a tax lien, there could be child support on there. They could be all those things like that. Those are derogatories. Those will drop you minimum, like 100 points. So you want to be 100% with none of those things on your credit profile.