Does 'Last Payment Amount' effect your score?

[Anonymous]

On some monthly payments, such as my car loan, I take the monthly due amount (i.e. $450) and pay half of the amount each pay day (every two weeks) so that the whole amount all at once will not drain me as much.  I have been doing this for almost a year now and it just made me wonder if this somehow could hurt my score.  On at least one of my reports, it does show "amount of last payment" and it says $225 since that is the actual amount of my last payment.  Does anyone know if the system would see this as a possible default on a minimum payment and cause a negative change to my credit score(s)? 

Thanks in advance!

[Anonymous]

As long as the account doesn't have a negative comment or any negative information, then it isn't being counted as a negative.

To my knowledge, last payment amount has no effect on scores.

Lenders may scratch their head and wonder during a manual review, but you could explain it and the payment history would speak for you.