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Credit score qualifications [link widoczny dla zalogowanych] Payment history is self-explanatory. It is the record of how well a consumer kept up with the payments. It is important to note that missed payments carry a huge weight here. In fact it carries greater significance than the payment amount. That means paying on time is more important than overpayment. Some people think that it is okay to miss the due dates of their payments as long as they pay more, but it doesnât work that way. Also, below you will notice the amount of the loan was 12K and not 10K – he figured out that he would need a little more cash than that. So here we go into calculator land;

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