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I'm not missing payments, so why is my on-time payment % decreasing?
I've consistently paid everything on time for at least 4 years, yet my Credit Karma on-time payment % has been decreasing the last few months (albeit a very slight decrease, but any dip is cause for concern). I've checked my credit report with TransUnion and am not finding anything out of the ordinary. Any ideas? Is it possible that I've made less payments in general over the last few years, so any late payments from years ago that are still on my report are making more of an impact? Thanks.

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