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SEON30

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Credit History mistake by Credit Karma, how do you correct?
Credit Karma is reporting my credit history age wrong on my TransUnion report. I have contacted TransUnion and they say my credit history is 30+ years, yet it shows as 8 months on Credit Karma. TransUnion says that the problem is with Credit Karma, not them, yet there is no way to contact and report to Credit Karma?

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What you see on Credit Karma does NOT matter in the real world. No lenders are going to look at your Credit Karma account. Credit Karma is not a credit bureau, it is just a website. Also keep in mind that different scoring models for credit will calculate the "average age of accounts" in different ways. While your oldest account may be 30 years old, that is not the "average age of accounts". Average is the keyword, an average is taken of all account ages.

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To elaborate a little on what I was saying. Some scoring models such as Vantage (which you get here) does not factor in "closed" accounts on your reports to determine the "average age of accounts". Most FICO scoring models do factor in "closed" accounts on your reports to determine the "average age of accounts". So your length of credit history will usually be much more favorable with FICO models. The good news is that most lenders use a version of FICO scores.

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