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New Contributor
Posts: 51
Registered: ‎07-26-2009
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Re: Fun with Credit Karma

That's exactly what I thought, Revelate. creditkarma has access to everyone's credit profile at the time when a new credit card starts reporting so they would be able to calculate your approval odds just by knowing what info is in your report.

I look at it to compare credit limits from various cards, it shows what someone in my age bracket is likely to get, plus you can guess which cards are generous with limits..
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: Fun with Credit Karma

[ Edited ]

I have a poor shot at AMEX Plat, BCE, Freedom, average crap1, and TY Pref... Glad I ignored credit karma

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor
Posts: 202
Registered: ‎07-27-2012
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Re: Fun with Credit Karma

[ Edited ]

Sorry to bump this, but I thought it was funny to see when I logged back in today that I no longer have any cards withh Poor Approval Odds. So far, nothing has changed with my CR since I last checked CK.

 

LOL, and now that I've refreshed my report (still no changes) there are cards with poor odds again. (I refreshed my report yesterday and then again just now.)

Current Cards: AMEX Everyday ($5k), AMEX BCE ($15.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Fun with Credit Karma


ceemee2203 wrote:

Sorry to bump this, but I thought it was funny to see when I logged back in today that I no longer have any cards withh Poor Approval Odds. So far, nothing has changed with my CR since I last checked CK.

 

LOL, and now that I've refreshed my report (still no changes) there are cards with poor odds again. (I refreshed my report yesterday and then again just now.)


LOL CK is a funny but cool free tool to use. I dropped like 15 points because I reported a $280 balance on one of my cards. But my overall utlization is at 3%. It also dropped one point because an inquiry fell off. 


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
Posts: 273
Registered: ‎10-02-2012
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Re: Fun with Credit Karma

Where are you guys going to see your approvals odds? I've yet to see it.

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Fun with Credit Karma


WallyxD wrote:

Where are you guys going to see your approvals odds? I've yet to see it.


Its right when you log in under credit cards


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
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Re: Fun with Credit Karma


WallyxD wrote:

Where are you guys going to see your approvals odds? I've yet to see it.


When you log in go to the "Credit Cards". Then go to "Search All Credit Cards". Finally, on the left side you can click on "Approval Odds" and check/uncheck the different options you are looking for and as you do this the different results appear to the right. 

 

 

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