If your child will receive a bone marrow or stem cell transplant from a sibling, you will want to familiarize yourself with both the donation and the transplant process. The child who is the donor will need to understand what will happen during the donation process.
As you can see, even if you have pretty good credit, your score can be taken down a few notches just by a single missed mortgage payment. If you are 30 days late on your payment, your 780 credit score can plummet to between 670 and 690. Thatâs a potential drop of more than 100 points. On top of that, it can take someone with good credit about three years to recover the excellent score. All because of one mistake.
1 On-time payment history (35% of your FICO score): Always pay all of your bills â credit cards, phone, speeding ticket, everything â on time. Nothing will bolster your credit score more than timely payments.  Amount of credit used (30% of FICO score): The lower the amount of available credit you use, the better. Keep your credit balance below 30% of your total credit line. Here, less is more, and itâs even better if you can keep your balance below 10% of your credit.