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Credit Karma Accurate?

The last post in this topic was posted 3106 days ago. 

 

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Noticed that my length of account history on Credit Karma is 6 with an average of about 4....but my EQ and EX reports show 11 and 6. Amex CS is reporting EX, TU, and EQ all as 11 and 6. Also noted that Credit Karma said my % of on time payments has been decreasing for the last three months!!! Not true...any idea what the issue is? Is Credit Karma really that inaccurate???

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as others have said, CK uses open accounts for AAOA

 

the payment history thing is weird i agree. I did notice that it doesn't count just late payments, if the payment history info isn't there (this shows up as a white block instead of green on some reports) then it uses that as a late payment when calculating history percentage. I found this out when a card became idle and didn't update monthly, only when I had activity. Out of the year it has two updates and CK thinks the rest were late because it runs a percentage of x/y(where x is green good payment history boxes, and y is the total months).

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