credit card companies never report when the balance goes down. Keeping your score lower than it should be. They sure report it right away when the balance goes up. It's all a fricken game to keep people down. Credit karma doesn't use the actual age of your credit. They average all ages of the new accounts to the old ones and keep your score down that way. I have accounts that are old and new ones too. but the age of my credit NEVER gets beyond 4 years old. THAT'S WRONG.