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P79: You have few or no recent delinquencies on your installment accounts
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. A delinquency is a payment that was made 30 or more days late. You have had no or very few delinquencies recently on your installment accounts, which has caused your score to improve.
What you can do:
Keep paying bills on time every month since it is important for maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Over time, this will have a positive impact on your score.
A HIGHER LEVEL OF CONFIDENCE
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