No, it won’t. While your payment history is the most important factor in determining your credit score, early payments won’t change your payment history (only paying your bills on time or not).
The Fair Credit Reporting Act (FCRA) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Various federal agencies enforce and write rules implementing the FCRA. Read More
Others can get your personal information in many ways including
data breaches discarded documents stolen wallets/purses stolen mail phishingWhile you can't always prevent identity theft, you can reduce your risk.
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