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How does TransUnion/Equifax calculate TOTAL PAYMENT
My Karma account shows 121 Ontime Payment, 121 Total Payment, 100%.

But my question is how do they calculate Total payment 121? I have used quite a few credit cards during the past few years, and only have 121 payments?

Does it only cover a short period of time? (such as past 2 years or past 3 years)

My other question is: if I increase Total Payment by using inactive credit cards, will that help increase my credit score? Even if it is 100% on-time payment already?


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