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I got an alert from Credit Karma that Chase gave me a $200 CLD decrease.
My utilization is %16 5.5k/30k and statement balances are always paid in full.. However, I did carry a balance on Chase for one month with only minimum payment so maybe that was a factor?
Anyway a $200 decrease is miniscule, no biggie. I just thought it was interesting to and shared it with you guys. To make matters more interesting they took the liberty of removing an inquiry back from August on my report.
@Imperfectfuture wrote:
Did you verify this by logging into your chase account? As to the missing inquiry, try to pull up an actual TU report, ck has been know to drop those, when TU does not.
I don't see any decrease in my account. Could it really be an error on CK?
@Anonymous wrote:
@Imperfectfuture wrote:
Did you verify this by logging into your chase account? As to the missing inquiry, try to pull up an actual TU report, ck has been know to drop those, when TU does not.I don't see any decrease in my account. Could it really be an error on CK?
Sometimes you really do get what you pay for. That's why people say just use CK for monitoring but it's not to be trusted.
@kdm31091 wrote:
I second that its probably a credit karma error because why would chase decrease your limit by so little? 200? Makes no sense.
+1
If they're ever upset enough to give you a CLD, it'll be a lot bigger than that. CK gets a lot wrong. I've seen them lose entire accounts for a week, get the balances wrong, all kinds of things. Like the pirates' code from the Johnny Depp movies, consider CK "more of a guideline" than a hard reality.
@coldnmn wrote:
@Anonymous wrote:
@Imperfectfuture wrote:
Did you verify this by logging into your chase account? As to the missing inquiry, try to pull up an actual TU report, ck has been know to drop those, when TU does not.I don't see any decrease in my account. Could it really be an error on CK?
Sometimes you really do get what you pay for. That's why people say just use CK for monitoring but it's not to be trusted.
Agreed.
CK is crap, thats why i just paid for MyFico.
@Anonymous wrote:
@Imperfectfuture wrote:
Did you verify this by logging into your chase account? As to the missing inquiry, try to pull up an actual TU report, ck has been know to drop those, when TU does not.I don't see any decrease in my account. Could it really be an error on CK?
The other day, I got an alert from CK saying my debt had increased by over 200k. I signed in to find out that they also deleted 48 accounts from my report, then re-added 48 accounts. The result was my total debt (mortgages, auto, CC's) went from 0 (after they deleted accounts) to 200k+ (when they added the accounts back).
Lol, you get what you pay for.