Credit Reports

[all]

How do I sync my credit reports?

[Shogun]

I don't know what you're asking.  Sync your credit reports?

I've seen something like this on Credit Karma, they want you to enter your information about all your accounts.  Not worth your time or effort in my opinion.

[all]

Thank you.

[takeshi74]

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@all wrote:

How do I sync my credit reports?

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Can you clarify the question?  Is information missing from one or more reports?

[Shogun]

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@takeshi74 wrote:

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@all wrote:

How do I sync my credit reports?

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Can you clarify the question?  Is information missing from one or more reports?

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If that is the case, some information on one report, then not on others.  Then there is no way to do that.  Each of the CRAs don't care what's on the other reports and will glady inform you of that.

The only thing I've seen about syncing reports, is on the Creditkarma website that wants you to put all the information about each account in so they can sync them.  To me that's just putting more info out there that's unneeded.

[Jim-WI]

Credit Karma (CK) uses TU Plus scoring method.  Thus, when new CC applications are approved, CK wants you to "sync"  the CC information that you have entered in CK to the TU report that it is pulling (a Soft Pull, mind you)  For example,  I recently started to use CK (TU FAKO score) in conjunction with ScoreWatch on myFICO.  I was recently approved for three CC's.  As the new CC accounts have been reported to TU, CK wants you to select the respective report to the CC information you have created in CK.  This is to track % of util and payment history.  Seeing CK only uses TU, EQ and EX will not show up on your CK score.  Simply put, you will not be able to "sync" between all three of the CRA's.  I hope this answers your question. 

[azguy13]

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@Jim-WI wrote:

Credit Karma (CK) uses TU Plus scoring method.  Thus, when new CC applications are approved, CK wants you to "sync"  the CC information that you have entered in CK to the TU report that it is pulling (a Soft Pull, mind you)  For example,  I recently started to use CK (TU FAKO score) in conjunction with ScoreWatch on myFICO.  I was recently approved for three CC's.  As the new CC accounts have been reported to TU, CK wants you to select the respective report to the CC information you have created in CK.  This is to track % of util and payment history.  Seeing CK only uses TU, EQ and EX will not show up on your CK score.  Simply put, you will not be able to "sync" between all three of the CRA's.  I hope this answers your question. 

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Excellent answer. So basically, it's for their benefit and not ours. 

[Jim-WI]

It does help (yourself) in the aspect that you will be able to track % of CC Util, AAoA, the ability to track any late payments, and some other number of statistics that I cannot pull from the top of my head.  This falls under the moniker of: "help me (Credit Karma) help you (the user of CK)".  It is not completely self-serving to CK, but rather a way for CK to package their product so you get all of the "bells and whistles" from a one stop shop.  The only problem is that they do not provide the true FIKO score that myFICO provides under the ScoreWatch service.