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dfowlerrn

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How come I have a score of D if my on time payment is 96%

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did you read

https://www.creditkarma.com/report/ontimepayments

100% on time has a grade of  A

99% on time has a grade of B

98% on time has a grade of C

97% on time has a grade of D

and 96% or less has a Grade of  F

You want to be on time with your payments, don't send them in late. 

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You should have gotten an F!

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According to the Credit Karma report card, you need 100% on-time payments to get an A, 99% for a B, 98% for a C, and 97% for a D.  Anything less is failing.

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