Don't Pay Your Bills Late From This Day Forward
Your payment history has the biggest impact on your credit score. The sold purpose of a credit score is to indicate how often you pay your bills on time. Your payment history is the most influential part of your credit score, and one missed or late payment can destroy an otherwise stellar score.
One single late payment can lower a credit score by 100 or more. However, borrowers might be able to mitigate the damage, assuming they act fast. While missing a payment by just a few days likely won't put your scores at risk, paying bills 30 or more days late can have a serious effect on your credit.
Do whatever is necessary to avoid being late on payments. If you are forgetful, set up reminders on your phone or computer, If you spend too much, tighten your belt so you'll have the cash to make your payment.
NOTE: This is very important FICO hates late payments. Don't even try to fix your credit if your are going to continue making late payments.