Credit Karma is 3 months behind on info about my accounts and after I refinanced, and paid off my mortgage and most of my credit cards, they still have my old amounts listed. I've tried to repair my accounts thru credit karma only to still seeing an account listed to me 1 year later on all 3 fica scores as my account, & it's not mine( but it still reads as if it's mine, so what good are they)...Each month my account still reads as if I owe $5,000.00 to a Lowes account that's not mine.