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k2ofcu

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0 missed payments yet Payment History(Credit Factors on CK) <100%???
I have had a flawless payment record (no missed payments, everything on auto pay).
NO problems in this area!

However....
Per Credit Karma's Credit Factors/Payment History (viewed on 11/3/15):
I'm at 100% (excellent) for TransUnion, yet 96.x% (very poor) for Equifax.

Review of my Equifax report shows NO missed payments for any account.

Why the discrepancy?
How to fix this?
Does this have implication for a planned c.c. application that I have for next month?

Thanks!

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