question about what affects your Credit score?

Tips and Deals Forums Consumer Credit Improve Credit question about what affects your Credit score?

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      I’m 19 y/o and I have two of those credit card things offered by chain corporations, one from the Gap with $ 400 limit and one from Target with $ 200 limit. I am sometimes late with payments and have missed payment on the Gap card twice. I know it will probably affect my credit score in some way, but i was wondering how big an effect it would have later on down the road when I try to do things like get a real major credit card, take out a school loan, or buy a car?

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