Candi's credit report states that she makes 94 % of her car loan payments on time and that her credit history is 5 years long. The credit report for Dina states that 97 % of her mortgage payments are made on time, she has a credit history of 7 years, and she has a low debt-to-credit ratio. Eva's credit report states that her credit history is 5 years long, she keeps multiple lines of credit open, and makes 91 % of her student loan payments on time.