On-time payment rate
Credit scores & reportsThe percentage of payments you have made on time.
Overview
A higher rate suggests consistent repayment behaviour.
It supports stronger credit outcomes.
Why it matters
- It is a key credit scoring signal.
- It influences lender confidence.
- It shows reliability over time.
FAQs
Do lenders see an on-time rate?
They see your payment history, which effectively shows consistency.
How can I improve it?
Set up direct debits and avoid missed payments.
Related terms
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