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Credit Karma - Showing 1 account in collections that my actual report doesn't show

Moderator

Re: Credit Karma - Showing 1 account in collections that my actual report doesn't show

The difference in AAoA from CK is they only use open accounts and FICO uses open and closed accounts to calculate AAoA.

Message 11 of 13
Moderator

Re: Credit Karma - Showing 1 account in collections that my actual report doesn't show


StartingOver10 wrote:

The difference in AAoA from CK is they only use open accounts and FICO uses open and closed accounts to calculate AAoA.


+1



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 12 of 13
Established Member

Re: Credit Karma - Showing 1 account in collections that my actual report doesn't show

Thanks, StartingOver10, +1. That makes a lot more sense. Funny the CK support guys didn't think of that! I guess that means my TU FICO score will always be higher than the CK FAKO score at least for a while (considering I have a lot of long lasting closed accounts).


Starting Score(8/15/13): 607
Current Score(5/20/16): 750
Final Goal Score: 800


Firmly in the Garden starting 7/23/2015 until 7/23/2017
Message 13 of 13