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.
Starting Score: ~500 (12/01/2008)
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.
CK only includes the last 2 years of payment information. Anything beyond that they do not calculate or include.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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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.
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