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DJG111

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Payment history definition clarification
I am currently showing an 82% on time payment history! but! my credit report supports that I have not made a late payment in over 2 years.

Is the definition of on-time payment history based on total accounts paid on time over last seven years or based on number of on-time payments made each month?

I am sure there will be follow questions based on the response. :)

Thank you for your help,

DJG

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The on-time payment history reflects seven years of credit history. 

Anything below 96% is considered an "F" because members with poor payment histories *tend* to have the lowest scores. The Credit Report Card is simply a comparison metric. It does not impact your score, which is calculated by the credit bureau (TransUnion).

Hope that helps!

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