Those missedThose missed payments may not have affected your credit score before, but they will soon, experts warn. “Thirty-five percent of your FICO score is paying your bills on time,” said Rob Burnette, investment advisor representative at Outlook Financial Center. payments may not have affected your credit score before, but they will soon, experts warn. “Thirty-five percent of your FICO score is paying your bills on time,” said Rob Burnette, investment advisor representative at Outlook Financial Center.