How does time really affect your score?

[ando35]

I know that a history of paying brings up your score but how specifically? The myfico score calimed that my score would go up 50-8- points over a year if I simply paid my bills but nothing happened. My score went up about 30 points due to adding a variety of accounts. 

[guiness56]

The simulator is just that, a simulator.  More times than not it is not very accurate.

Making on time payments has no affect on your score, it is assumed that is what is going to happen.  In other words, you are not rewarded for making your payments on time.  It is the age of the account after a year that has the impact on your score. And, YMMV with that.  If you have a lot of negatives on your report you may not see an increase.