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And this would be why not many people put a whole lot of stock in CK "reports".
CK only factors in open OC accounts. FICO factors in all OC accounts.
Don't let that stuff bother you. CK wants people to have at least 21 accounts for one thing. My CK scores used to be waay higher than my fico scores. In fact when i first started rebuilding i couldnt even get a real fico score cause i didnt qualify but CK had me at like 735. It still has me in the 700s whereas my fico scores havent hit 700 yet once since i started rebuilding in jan. CL used to be better because it would pull TU every time one logged in. Now it just does it like once a week or something.
@guiness56 wrote:CK only factors in open OC accounts. FICO factors in all OC accounts.
+1 this is your answer
Only use CK for montoring INQ's and changes to your TU file other than that no need to worry.
@myjourney wrote:
@guiness56 wrote:CK only factors in open OC accounts. FICO factors in all OC accounts.
+1 this is your answer
Only use CK for montoring INQ's and changes to your TU file other than that no need to worry.
+2
Exactly. If you want a better assessment, then FICO is your resource. Otherwise, no worries.