Re: Do the number of on-time payments matter?
11-05-2012 08:22 AM
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
Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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