If you use the Turbo app, and look at your debt and click on the details button for each of your creditors, you will see a color-coded payment history with green, yellow and red dots. The yellow and red dots are late payments. You can’t erase your history, but you make sure that all your current payments are on time and you are paying ”as agreed” (which usually means that you are making at least the minimum payment on time).
you can get the same information about your payment history by getting your official credit reports from all three credit bureaus using www.annualcreditreport.com.