Credit bureaus do not receive information regarding debit card usage and history, so, therefore, debit cards have no effect on your credit
Credit bureaus do not receive information regarding debit card
usage and history, so, therefore, debit cards have no
effect on your
credit credit score.
The marks
on your report from the late car payments will continue to stay
on your report, but once you introduce a more recent history of positive
credit usage, their
effect will become less and less.