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Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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Credit Karma not showing lates

[ Edited ]

So I've been using the new CK beta site and it's pretty cool but it's showing my "Percentage of On-Time Payments" as 100% and this is not true. I had 1 30 day late in 2007 and 1 120 day late in 2008. ETA: I actually got it wrong, it's 120 late in 2007 and 30 day late in 2008.

 

Does anyone know how far back CK goes in calculating this score?

 

Doesn't seem very useful when I know it's on my reports.

 

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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Re: Credit Karma not showing lates

Credit Karma pulls from TransUnion.  Are you sure those lates are on your TU report?


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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Re: Credit Karma not showing lates

[ Edited ]

I got my TU from MyFico last month.

 

And I actually just did a dispute on my TU (to get my mom's # off my report (she lives in NY and I live in CA) and the lates were there.

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Contributor
Posts: 1,093
Registered: ‎02-15-2012
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Re: Credit Karma not showing lates

I only had one late on CK that mysteriously dropped off at the end of DEC when it hit 5 years old. I have not pulled myFICO yet to see if the CC actually decided to stop punishing me for a 5 year old 30 day late.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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Re: Credit Karma not showing lates

My dispute just came back so I know they're definitely still on TU.

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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Re: Credit Karma not showing lates

Don't know.  I've seen reports from other people that CK isn't reporting things correctly as well.  I've never had a problem with them, that I could tell anyway. 

 

In general, third party reporting sites are formatting the information a certain way for you to view it.  I've read threads that state they occasionally have issues with reading the data that is fed to them and formatting it correctly.  Maybe it's just a bug like that. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Moderator
Posts: 13,648
Registered: ‎04-15-2011
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Re: Credit Karma not showing lates

CK only includes the last 2 years of payment information.  Anything beyond that they do not calculate or include.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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Re: Credit Karma not showing lates

Thanks.

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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Re: Credit Karma not showing lates

[ Edited ]

Shogun wrote:

CK only includes the last 2 years of payment information.  Anything beyond that they do not calculate or include.


Are you sure about this?  I have a 97% on-time payment percentage at CK, but I have not had a late payment in a little over 4 years.

Now, I think I have noticed that when you add a backdated Amex, since CK has no data for the additional months, it counts those as not being on-time.  So maybe my payment percentage is the result of adding Amex accounts and not the result of my old lates.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Regular Contributor
Posts: 203
Registered: ‎07-27-2012
0

Re: Credit Karma not showing lates

I joined amex 05/2012. I received my first amex in 12/2011 from my old company. Amex just backdated me to 05/2008 in January. No changes in the number of on time payments. Still 100%.
Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
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