<prompt> Human: Obviously, the FACO scores that Im getting are WAY off, by something like 70-80 pts. However, Im also being shown that my on-time payments are hovering at 60 even though every bill and payment that I make is on auto-pay...and has been for almost 2 years. Why is this info so off, and is there a way to fix it?  <response>: Hi, Credit Karma employee here! Your history of on-time payments we show reflects your last 7 years of payment history. That data you see on our site comes directly from the credit bureaus. If you never actually missed any payments in the past 7 years, I suggest pulling reports from all 3 bureaus to make sure there is no incorrect information or accounts that dont belong to you. Feel free to visit our Help Center if you have any follow up questions. 