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Credit Karma laugh

Valued Contributor

Re: Credit Karma laugh

It's a FAKO score.  No need to pay attention to it.  

 

My scores for example:

 

TU08 FICO 731

CK Transrisk 710

CK Vantage 745

USAA 771

 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
New Member

Re: Credit Karma laugh


1hardinquiry wrote:

Oh, yeah...they do. Did you click "update score" so that it showed report as of 12/21/12? Or did it say score from 01/2011?

 

My CK score dropped from 680 to 667 after I paid off a card!

It reports I lowered my util and raised my available credit, and it still drops my score!~?

Nothing else on the report changed.

 

I can't wait to update myFico TU report later today to see the increase in score because I was expecting it from CK and didn't get it! Ha!


The same thing happened to me. Smiley Indifferent

Wallet: Chase Sapphire Preferred (10k), Capital One Venture (5k), Citi Simplicity (2k)


Starting Score: 669
Current Score: 747
Goal Score: 790

Take the myFICO Fitness Challenge
Regular Contributor

Re: Credit Karma laugh

FOR all of people that disagree with CREDIT KARMA FAKOS complaning etc....all you have to do is ask for REFUNDSmiley Very Happy

Regular Contributor

Re: Credit Karma laugh

Same here!! I opened a Walmart credit card, then my score dropped 43 points!! What's up with that!!

Valued Contributor

Re: Credit Karma laugh


Give_Me_Credit_Please wrote:

Same here!! I opened a Walmart credit card, then my score dropped 43 points!! What's up with that!!


Opening a new card will frequently drop your score, as it is a new inquiry.

Valued Contributor

Re: Credit Karma laugh

43 points?!? That is a huge drop! How many total inquiries do you have? Did the Walmart card start reporting yet?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor

Re: Credit Karma laugh


MovingForward_2012 wrote:
43 points?!? That is a huge drop! How many total inquiries do you have? Did the Walmart card start reporting yet?

Yea its kind of hard to beleive that an inquiry costs 43 points.  Mehhh....its fako anyway.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Moderator Emeritus

Re: Credit Karma laugh


Rhaeny wrote:

MovingForward_2012 wrote:
43 points?!? That is a huge drop! How many total inquiries do you have? Did the Walmart card start reporting yet?

Yea its kind of hard to beleive that an inquiry costs 43 points.  Mehhh....its fako anyway.


 

Well, it's probably more than just the inq. Give_Me_Credit_Please stated that s/he opened an account, so the score drop might have included dings for the inq, the presence of a new account, and a drop to AAoA.

 

But even then, I don't take CKs FAKO scores seriously, so who knows?


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Frequent Contributor

Re: Credit Karma laugh

I do enjoy CK. Atleast there i can find info about my credit for free instead of always having to pay like here. I don't really pay attention to the score since it's FAKO but it's my favorite site to use for monitoring my credit.

New Member

Re: Credit Karma laugh


Mike360 wrote:

I do enjoy CK. Atleast there i can find info about my credit for free instead of always having to pay like here. I don't really pay attention to the score since it's FAKO but it's my favorite site to use for monitoring my credit.


+1 This is true. However, identity iq is growing on me, even though it's not free (at least $7 a month is much more reasonable than $14 at free credit report!)

Wallet: Chase Sapphire Preferred (10k), Capital One Venture (5k), Citi Simplicity (2k)


Starting Score: 669
Current Score: 747
Goal Score: 790

Take the myFICO Fitness Challenge