Credit Statistics

I need information on a subject to view a class debate. I have a few points Pro, but not enough to make a speech. I could use more subjects Con to talk so. Thank you for your help! ^ - ^

To pay your bills on time, you get a better score if you do not pay your bills on time or Lates have on your credit record is not good it will take 2 years to get your credit score back to normal, but you have to write letters to all 3 offices and explain what happened the other is to have your ex on your credit file that makes it bad, it means using his Former SS # he gave his eyes a bad credit line, it is has to do with FICO score the higher the better interest rates to lower interest rates higher is bad

The best I could find on short notice comes via MyFico, after doing a Google credit statistics, "it is the first result. Other statistics are available on this site, even while surfing in other results, it seems to do this research yourself could be fruitful.