frequently as possible, also doing things such as getting a security credit card for those individuals who don't have a sound credit history. so all of these things are things we need to consistently do to make sure woor we're boosting our foboost ing our fico score. >> the roman's numeral for you today is seven years. seven years is how long one missed payment, one missed payment on a credit card, mortgage, anything, will stay on your credit report. paying your bills on time, greg, the very big important one for keeping the score up. >> it really is. that that is the single most important factor in your credit score. and i think the good news there is that poor credit isn't forever. those past missteps carry less weight with the passage of time. so if you are paying your bills on time and paying down your debt over time as ryan noted a moment ago, those two factors constitute 2/3 of your credit score, you're taking two big steps in the right direction. >> i've asked the folks at fico before, what can i tell people about how to move this score up
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