5. 5 。 Paying on Time 交費時間

This one is kind of noticeable, but it can’t be emphasized any further. 這是一種明顯的，但它不能被任何進一步的強調。 If you don’t pay in a timely way, your credit score will decrease. 如果你不支付及時地，您的信用評分將減少。 This will occur no matter how late your payment is. 這將發生無論多麼晚您的款項。 For some reason people still tend to think that if they are only a few weeks late, it still okay. 由於某種原因，人們仍然傾向於認為，如果他們只是在幾個星期晚，但它仍然不錯。 Actually, for the loan company, if you pay late but consistently, they will make a lot more money with late fees and more interest. 其實，貸款公司，如果您支付較遲，但始終，他們將更多的錢，滯納金和利息。 For you, this will imply a lower credit score. 對於您來說，這將意味著降低信用評分。 If you think in the long-term and in credit scores, you will understand what I mean. 如果您認為在長期的信用分數，你會明白我的意思。

6. 6 。 Paying Down Your Debts 交費您的債務

You mustn’t forget that you are dealing with high-level statistics and probabilities which will evaluate and forecast trends in your paying attitude. 你絕不能忘記，你正在處理的高級別統計和概率將評估和預測趨勢，您付出的態度。 You can never entirely pay off your revolving debt. 你不能完全還清債務的循環。 So think about it. 因此，想它。 Your credit score will be a reflection of your ability to manage your credit. 您的信用評分將是一個反映了你的能力來管理您的信用卡。 If you pay off your debt you might not necessarily be managing it. 如果你還清你的債務你不一定是管理它。

If you maintain a balance of nothing, then you will have nothing to manage, and it will no longer exist. 如果你保持平衡什麼，那麼你將沒有任何管理，這將不復存在。 Obviously, you cannot manage what isn’t there. 顯然，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，當您想從信用分數，你已經證明你的能力來支付賬戶迅速，讓您可以避免有來管理它們。

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. 不要誤解，如果您在延長首先，你將要支付什麼必要的，讓您的信用狀況不錯。 Then you will need to manage the remaining credit. 然後，您將需要管理，其餘貸款。 That is how you can make your credit score decrease. 這是你如何讓您的信用評分下降。 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. 債權人要知道你是能夠管理您的信用卡帳戶，以便您需要有一個平衡，為了做到這一點。

Keep reading for some more tips on how to recover from any bankruptcy situation, go to our next page: Bankruptcy Advantages 5 請閱讀一些了解更多有關如何恢復從任何破產的情況下，去我們的下一個網頁： 破產優勢五日