YOUTUBE The Impact of Payment History and Credit Utilization on Your Credit Score AdminApril 4, 2025040 views In this video, Shonda Martin discusses the significant impact of payment history and credit utilization on your credit score. Learn how one late payment can affect your score drastically and the immediate impact of credit utilization on your financial profile. Discover the importance of keeping credit card utilization below 10% for a positive credit score. #CreditScore #PaymentHistory #CreditUtilization #FinancialTips #PersonalFinance source