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It's not just about payment history. Several things are taken into account when your credit score (or FICO score) is calculated.

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Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia LorenzOlson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.

Two Cents is hosted by Philip Olson, CFP® and Julia LorenzOlson
Directors: Katie Graham & Andrew Matthews
Written by: Julia LorenzOlson and Andrew Matthews
Produced by: Katie Graham & Amanda Fox
Images by: Shutterstock
Music by: APM

Sources:

https://www.investopedia.com/terms/f/...
http://time.com/3961676/historycredi...
http://blog.credit.com/2015/04/howma...