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If you’re consistently late paying your bills or miss payments, this might reflect negatively on your credit score as lenders could see you as unreliable.

If you miss a payment on your bills it could show up on your credit score for up to six years. CreditWise from Capital One can help you to see if any missed payments are flagged on your credit report.

Keeping up to date with things like your utility bills means you’ll avoid getting a negative mark on your file, so make sure you’re in the best position to pay them on time.

5 credit score myths busted