THX! In this case, I know for sure that they are 100% paid on time, because I pay them. Both kids are in school and still mainly on the family payroll. :-)
While it's not incredibly common, it is possible that even if you're paying everything on time that a lender can incorrectly report a late payment. This is where the monitoring of credit reports plays a big role, so if anything like that happens you can rectify it immediately and not allow it to go unnoticed.