I do not know how to hyperlink so I will just paste it.

The negative factors listed below are reasons why your FICO score is not higher. Your focus on these factors will help you to raise your FICO score over time. These negative factors are provided in order of impact to your score – the first factor listed indicates where you stand to gain the most points over time and so on.



The time since your most recent past due payment is too recent or unknown
There is evidence of a late payment on your file as recent as 2 months ago. Roughly 46% of consumers have some evidence of delinquency in their credit history. Among these consumers, their most recent late payment was, on average, 19 months ago.Analysis of consumer credit histories shows that consumers with previous late payments are much more likely to pay late in the future. The FICO score evaluates not only the presence of previous late payments, but also how recently the missed payments occurred. In general, the more recently a payment was missed, the greater the risk, and the lower the score. (Most late payments stay on your report for no more than seven years. Keep in mind that closing an account on which you had previously missed a payment does not make the late payment disappear from your credit bureau report.) In rare cases, evidence of a past missed payment on a credit account is present on the credit report, but the date of the late payment cannot be determined exactly. An "undateable" credit account delinquency on a credit report still represents greater risk than never having missed a payment at all, and so it will still affect the score.There is no "quick fix" to raise your score if the late payment on your credit bureau report is valid. In order to improve your credit rating over time, it's important to pay all bills when they're due. The longer you do so, the better the score. If you have late payments, get caught up on them and do your best to stay current. As time passes the importance of these previous late payments will gradually lessen and the score will increase - as long as you make your payments on time on all of your credit obligations, and use your available credit responsibly