Re: Do the number of on-time payments matter?[ Edited ]
11-05-2012 05:33 PM - edited 11-05-2012 05:35 PM
I think you are looking at this from the wrong "side". Every month all of your accounts update with a status of paid on time, 30-days late, etc. Account balance, even $0, doesn't matter. The majority of people have no late payments on their reports. You aren't so-much credited for on-time payments as you are dinged for any late payments.
On-time payments are expected. ANY late is a big deal. Bigger lates are bigger deals. You don't get credit for on-time payments so much as your accounts get older which helps length of credit, AAoA, etc.
More simply, you don't need to count your on-time payments as they are expected. You don't need to count your lates either because you aren't going to have any.
Don't ever, ever, ever be late - ever.