| Date | Bill | Payment |
| Mortgage | 1st | BofA |
| PLC | 5th | Discover |
| Farmers | 6th | BofA |
| Verizon | 6th | Discover |
| SureWest | 9th | Discover |
| Nebraska | 11th | Check |
| Atmos | 12th | BofA |
| Ford | 14th | METCALF |
| WaterOne | 14th(bi-mth) | BofA |
| KCPL | 15th | Visa |
| Visa | 19th | BofA |
| Discover | 23rd | METCALF |
| HELOC | 30th | Check |
| Factor | Percent of Score |
| On-Time Payments | 35% |
| Bal Size/Ratio=Bal/Limit | 30% |
| Length of Credit History | 15% |
| Diversity of credit | 10% |
| # of credit request | 10% |
