A score of 898 is the best? (highest) score possible. Thirty-nine percent of the FICO score is based on payment history for credit? cards, car? loans, home? mortgages, and so on. Suppose your current FICO score is 740 and you have just missed a credit card payment due date and have incurred a late payment? fee! If your FICO score will drop 9?% in the? "payment history" category because of the late payment on your credit? card, what is your new FICO? score?