A single 0-100 number for your bill hygiene.
Health Score is on-time payments / total payments over the last 180 days, weighted toward recent months. 100 means you're paying everything on time. Below 60 = something is slipping.
The Health Score weighs the last 6 months: month 1 (most recent) counts 30%, month 2 25%, month 3 20%, month 4 15%, month 5 7%, month 6 3%. Within each month: (on-time paid + skipped) / total = month score. The weighted sum is your overall score.
Skipping is intentional — you're saying "this isn't happening this month" (vacation rent, paused subscription). Skips count as if the bill didn't exist for that month.