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What is Payment History? Payment history shows how you've paid your accounts over the length of your credit. This evidence of repayment is the primary reason why payment history makes up 35% of your score and is a major factor in its calculation.

Payment history is the most important factor of your credit score, making up 35% of FICO® Scores. At Experian, one of our priorities is consumer credit and finance education.

Lenders typically update account information with bureaus every 30 to 45 days.