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is to pay bills on time. Those new to managing credit should not open a lot of new accounts too quickly because this act will lower the average account age and could make the individual appear as a credit risk. In addition, exercising good judgment
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The longer period the bills are paid timely, the better the credit score will be. If an account goes into collections, subsequently paying it off will not remove the account from a credit report until seven years have passed. Paying bills on time in order to avoid delinquencies or a collections situation is a good way to positively impact a credit report. Being considered a risk is worse than the alternative of having little credit information.

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