<prompt> Human: Hey everyone, I recently got the Chase Slate card to do a balance transfer for a large medical bill, since they offer 15 months of 0.0 APR for balance transfers made within the first 30 days. They offer a free credit score like many cards do now, but what I find most interesting is their credit dashboard that takes Experians information and gives you a guideline on how your score is affected by different things. I thought non-Slate users might like to see this info.NOTE: this is not an increase your score X points by doing Y guide, but a more general goodokaybad breakdown.- PAYMENT HISTORY- Good - 100 of minimum payments made on-time- Okay - 96 - 99 of minimum payments made on-time- Bad - 96 of minimum payments made on-time- Take-away: just one missed payment affects your score, and more than that will sink it quickly. Always AT LEAST pay the minimum.- CREDIT UTILIZATION- Good - using 25 or less of available credit- Okay - using between 25 and 75 of available credit- Bad - using 75 or more of available credit- Take-away: shoot for under 25 utilization of available credit.- LENGTH OF CREDIT average of account age for all credit and loans- Good - 6 years AVERAGE age of all accounts- Okay - 4-6 years AVERAGE age of all accounts- Bad - less than 4 years AVERAGE age of all accounts- Take-away: If your average is less than 4 years, consider holding off on new credit cards or loans and using what you already have, if possible.- CREDIT INQUIRIES hard checks on your credit, does not include credit scores that credit cards give you for free- Good - 0-1 inquires in the last 2 years- Okay - 2-4 inquires in the last 2 years- Bad - 5 inquiries in the last 2 years- Take-away: multiple hard checks indicates you either need a LOT of credit or have a chance of being denied credit, both of which are red flags to credit companies. Use free scores from credit cards or your legally-provided free annual credit report rather than looking for hard inquiries.- OPEN ACCOUNTS- Good - 3 open accounts- Okay - 2 open accounts- Bad - 0-1 open accounts- Take-away: might seem counter-intuitive but it actually makes sense. Managing multiple accounts with on-time payments indicates you are a trust-worthy borrower. The main point here is that paying off an account in full e.g. finishing a car loan may actually make your score dip.Hopefully thats helpful!  <response>: First off, the late payment isnt actually reporting if the payment was on time or not. You get a negative mark when the payment is 30 days late. 