If you want to repair credit to enhance your overall quality of life, take a good look at your credit report –and change old habits. Seriously delinquent accounts where you have too many late payments carries a major weight on your score. Your payment history is approximately 35 percent of your total score. This is the highest percentage factor. Also, if the delinquency is recent (usually within the last two years), this will negatively affect your score. Therefore, the longer accounts remain past due, the more points you loose. Multiple delinquent accounts leaves lenders to believe that you will not uphold your end of the bargain by paying on time.