****OLD THREAD ALERT*****
Yes, old thread. And I wouldn't put any merit to any CC that they recommend.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
They recommended I get a capital one secure card but I was approved for discover Citibank Chaseand American Express
Starting Score: 640
@Omw800 wrote:They recommended I get a capital one secure card but I was approved for discover Citibank Chaseand American Express
I stand behind my aforementioned statement. LOL!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@kroberts67 wrote:I base NOTHING on CK. They have never been correct in updating my records, for example today CK updated yet my total CL is about $3k less than what it really is, and my AAoA has never been correct (shows 9 mos instead of 2 years, 10 mos).
CK, unlike FICO, does not include closed accounts in the factoring of your AAoA. So if you've been paying regulary on a 30 year mortgage, once you've paid that off, you get nothing for having that account.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
To be honest I don't get the hate for CK or the general derision of "FAKO" scores when so many creditors use their own personal risk scoring system and/or some comibination of the multiple FICO scoring models in existence.
CK is totally upfront about the fact that the service is free to consumers because of the targeted ads. But whatever, to each their own I guess.
