Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
EricFleet

3 Contributions
7 People Helped
Payment History is Incorrect
Both of my credit scores are around 820, darn near perfect. Yet the factors screen shows Equifax thinks I am only 90.7% on time with payments. Wait, what? I am always on time with my payments. I drill into my credit report for Equifax and every account shows that I have never missed a payment.

So I am confused. One screen shows a really crappy payment history for Equifax while Transunion says my payment history is perfect.

I go to other screens and both say my payment history is perfect. And my overall credit score is darn near perfect.

What is going on?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-5 of 5Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
5 People Helped
Most Helpful Response

Same issue here

Helpful to 5 out of 6 people

i had this problem yesterday Equifax was showing 97.2% and for some reason today Equifax show 100%. i think there's a glitch in this system. I wouldn't worry about it. Just check back in few days and I'm sure its going to be back to 100%. 

2 Contributions
0 People Helped

credit score off

i have hard inq 5 are not mine and i have crdit in 2004 the report says 6 months my score is off what should i do

Top Contributor

Reply by
rafikibubu

15 Contributions
65 People Helped
Helpful to 3 out of 4 people

If you ever see information that is erroneous in any way, you need to report the issue to the bureau that's reporting it. In the case of Credit Karma, it's either TransUnion, Equifax, or both. 

If it's with TransUnion, Credit Karma has links in your credit report which allow you to report errors. With Equifax, you could try going here: https://www.ai.equifax.com/CreditInvestigation/home.action

DO check to see which bureau is showing the error .. especially if it's an error with inquiries. Inquires, in my experience are usually only with ONE bureau. Also, think back really, really hard before you report. Sometimes it's easy to forget that you applied for credit. Also, the name of the lender from the inquiry can sometimes be very different from who you know them as. For example, years ago I signed up for an airline credit card. The inquiry that came in said Bank of America, since that's the bank that was issuing the card. I had no idea that was the case, so at first, I thought I had received that inquiry in error. 

Good luck!

Top Contributor

Reply by
badcredit999

38 Contributions
9 People Helped

dispute the inquiries to the credit bureau showing the inquiries and insist them to be removed

Top Contributor
15 Contributions
65 People Helped

Sounds like a glitch to me

I can only speculate, but glitches seem to happen from time-to-time. You wouldn't have a score anywhere near that range if there're been ANY negative marks on your payment history. 

Hard to know for sure, but I think a similar thing happened to me a month or two ago on Credit Karma. One of my cards had a credit limit increase of nearly 50% (no hard inquiry), and my Trans-Union score plummeted about 30 points for one week. The next week, it was right back up where it should have been.

1 Contribution
0 People Helped

Update

Helpful to 0 out of 1 people

It has been more than 30 days and there has not been an update on my credit score or my reports.

1 Contribution
0 People Helped

Helpful to 0 out of 1 people

No offense but if any credit Bureau shows you at 90.7% on payments, your credit score is NOT above 800, much less 700

Results 1-5 of 5Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.