Credit Karma Utilization

[Brusilov]

I applied for a Macy's store card not too long ago and am waiting to hear back on approval. I did notice in Credit Karma when I updated I now see the following under Utilization: "Open Credit Card Debt (w/o Limits Reported): $0". Is this a sign that I may have been approved? Or did I maybe just not notice this listing before...

[llecs]

Is this or would this be your only CC?

If I recall, and it has been some time, but when I first got Macys they reported after I received the card.

You can always call them too.

[tengtengvn]

That's the new feature. They separate balance on charge cards from revolving credit utilization.

[clipperskipper]

Credit Karma is a neat tool, and it's free however it's TU and they are really slow to update, and the FICO numbers seems rather low.

[haulingthescoreup]

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@clipperskipper wrote:

Credit Karma is a neat tool, and it's free however it's TU and they are really slow to update, and the FICO numbers seems rather low.

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They're not FICO's, they're FAKO's, from TU's "credit score" algorithm, I think. No relation to FICO's. Somewhere on the report, if you look hard enough and have really good vision, you should be able to see the disclaimer.

[Brusilov]

Compared to my FICO score they're usually -10 to -30 points below or so but still give kind of a rough idea of where I'm at. I think they need to work on the score predictor a little....I get really weird results sometimes like my score staying the same with 24 mo of on time payments (?). I think you're right...they must have just added this recently....my Macy's store card is still in processing and hasn't been approved/reported.