Read your Health score

How it is calculated

Each eligible bill that has come due in the six-month window counts equally. A payment counts on time when paid in full by its due date plus three days. Unpaid and part-paid bills count as late. The result is on-time bills divided by eligible bills, as a percentage. Strong is 90 and up, Good is 70 to 89, Watch is 40 to 69, and Critical is below 40.

Skipped periods and No data

Skipped bill periods are excluded, as are periods that are not eligible to come due. No data means there is not enough eligible payment history to calculate a score; it does not mean a score of zero.

Improve the record

1. On Overview, inspect overdue bills and open their History before correcting a record.
2. Enable reminders for bills you miss in Settings → Email, and review each bill’s Reminder choice. Email reminders are not a Pro-only feature.
3. Record payments accurately, including Paid date and Counts toward. Use a weekly review or digest to catch missing records.