Which of the following would be an indicator of strong creditworthiness?

A history of timely payments is a key indicator of strong creditworthiness. Timely payments demonstrate that an individual is responsible and reliable when it comes to managing their debts. This consistent behavior helps establish a positive credit history, which is a crucial component that lenders consider when assessing creditworthiness. A strong track record of making payments on time not only reflects the ability to manage financial obligations but also fosters trust with creditors, leading to improved credit scores and better borrowing terms in the future.

In contrast, multiple overdue accounts, frequent loan defaults, and inconsistent income represent financial instability and may indicate a higher risk for lenders. They suggest difficulties in managing finances, which could lead to negative consequences for credit ratings and borrowing opportunities.