5. 5 。 Paying on Time 交费时间

This one is kind of noticeable, but it can’t be emphasized any further. 这是一种明显的，但它不能被任何进一步的强调。 If you don’t pay in a timely way, your credit score will decrease. 如果你不支付及时地，您的信用评分将减少。 This will occur no matter how late your payment is. 这将发生无论多么晚您的款项。 For some reason people still tend to think that if they are only a few weeks late, it still okay. 由于某种原因，人们仍然倾向于认为，如果他们只是在几个星期晚，但它仍然不错。 Actually, for the loan company, if you pay late but consistently, they will make a lot more money with late fees and more interest. 其实，贷款公司，如果您支付较迟，但始终，他们将更多的钱，滞纳金和利息。 For you, this will imply a lower credit score. 对于您来说，这将意味着降低信用评分。 If you think in the long-term and in credit scores, you will understand what I mean. 如果您认为在长期的信用分数，你会明白我的意思。

6. 6 。 Paying Down Your Debts 交费您的债务

You mustn’t forget that you are dealing with high-level statistics and probabilities which will evaluate and forecast trends in your paying attitude. 你绝不能忘记，你正在处理的高级别统计和概率将评估和预测趋势，您付出的态度。 You can never entirely pay off your revolving debt. 你不能完全还清债务的循环。 So think about it. 因此，想它。 Your credit score will be a reflection of your ability to manage your credit. 您的信用评分将是一个反映了你的能力来管理您的信用卡。 If you pay off your debt you might not necessarily be managing it. 如果你还清你的债务你不一定是管理它。

If you maintain a balance of nothing, then you will have nothing to manage, and it will no longer exist. 如果你保持平衡什么，那么你将没有任何管理，这将不复存在。 Obviously, you cannot manage what isn’t there. 显然，你不能管理是不存在。 Therefore, when you are thinking in terms of credit score, you have demonstrated your ability to pay off accounts swiftly so that you can avoid to have to manage them. 因此，当您想从信用分数，你已经证明你的能力来支付账户迅速，让您可以避免有来管理它们。

Don’t misunderstand; if you over extend to begin with, you will want to pay off what's necessary to make your credit profile look good. 不要误解，如果您在延长首先，你将要支付什么必要的，让您的信用状况不错。 Then you will need to manage the remaining credit. 然后，您将需要管理，其余贷款。 That is how you can make your credit score decrease. 这是你如何让您的信用评分下降。 Creditors want to know that you are able to manage your credit account so you need to have a balance in order to do that. 债权人要知道你是能够管理您的信用卡帐户，以便您需要有一个平衡，为了做到这一点。

Keep reading for some more tips on how to recover from any bankruptcy situation, go to our next page: Bankruptcy Advantages 5 请阅读一些了解更多有关如何恢复从任何破产的情况下，去我们的下一个网页： 破产优势五日