General Credit Topics

[Guava]

the idiot questions here: what's the CKI file? where do I click to see it?

[DI]

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silver0187 wrote:

the idiot questions here: what's the CKI file? where do I click to see it?

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I made a typo.  Was saying CK. 

[Guava]

My total number of accounts is 2, which is the same as before the derogatory mark was updated. I believe those 2 accounts are Citi Div Plat select and Express Fashion CC. Amex hasn't reported yet. The collection was never included in Credit Karma total account count I think.

[DI]

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silver0187 wrote:

My total number of accounts is 2, which is the same as before the derogatory mark was updated. I believe those 2 accounts are Citi Div Plat select and Express Fashion CC. Amex hasn't reported yet. The collection was never included in Credit Karma total account count I think.

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Im confused.  Are you saying CK  never acknowledged  the CA from the beginning?

[Guava]

Well, CK showed I have 1 derogatory mark before so I believe CK did take the collection into account. But my total account has always been 2, before and after the derogatory mark was gone, it has always been 2.

My CK score before was 724, after the derogatory update, it is 754. Should the collection have been counted as 1 account?

[DI]

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silver0187 wrote:

Well, CK showed I have 1 derogatory mark before so I believe CK did take the collection into account. But my total account has always been 2, before and after the derogatory mark was gone, it has always been 2.

My CK score before was 724, after the derogatory update, it is 754. Should the collection have been counted as 1 account?

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I guess that's where the difference lies between CK and what's actually appearing in your TU file.  I'm not sure how that is happening when CK take information retrieved from your TU report.  I'm flabbergasted. 

[Guava]

I'm a liitle bit disappointed but I'll live. Like I said before in this thread, I don't plan on adding credits or loans so the collection doesn't matter to me in that sense. I can wait it out. Thanks for taking the time to help me DI, hopefully you can still enjoy your weekend

[khygeljones]

Haha FAKO scores. I used to subscribe to CK, I don't any more. I just saw too much of a difference between what they were reporting, and what my banks were actually telling me. Thanks, but no thanks.