Posts: 13,897
Registered: ‎04-15-2011
Re: Do the number of on-time payments matter?

I don't think the amount of payments, say 77 on time vs 100 on time payments really factors in that much.  What really matters is the fact that they were on time and the TLs are positive.  Yes, an account paid to $0 counts as a positive.  Basically anything not late counts as a positive.  Remember though, one 30 day recent late will have a big impact.  It will diminish over time.  The best way to ensure your scores is to pay on time. 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!