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Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011

Derogatory Mark gone from Credit Karma??

[ Edited ]

Hi all, I have a question. 

I have a paid collection (from 2001) but it showed unpaid on my TU credit report. I put in an inquiry (around the beginning of May) to have it report as paid. On my Credit Karma account, it showed that I have 1 derogatory mark (the collection). BUT today when I update my Credit Karma score, the derogatory mark is gone (said 0) on Credit Karma! Could I take this as the collection was deleted on my actual credit report??

 

Thank you for reading!


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Valued Member
Rvan1961
Posts: 47
Registered: ‎04-29-2011

Re: Derogatory Mark gone from Credit Karma

While I use CK, I would not base anything on their "report". For example, My TU score is over 100 points higher on CK than what it really is :smileyhappy: I also had Truecredit and they were wrong on every score by almost the same margin (


Starting Score: 622
Current Score: 650
Goal Score: 750


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Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011

Re: Derogatory Mark gone from Credit Karma

[ Edited ]

Rvan1961 wrote:

While I use CK, I would not base anything on their "report". For example, My TU score is over 100 points higher on CK than what it really is :smileyhappy: I also had Truecredit and they were wrong on every score by almost the same margin (


Yea, their scores are FAKO scores but I'm hoping that the information they showed about my derogatory mark being gone is correct.

I don't want to purchase a report because I'm in garden mode, not looking to app for CC/loans, spending $20 - $40 just to check for one thing isn't worth it for me. Knowing the only negative on my report got deleted would make my week!

Please let it be right >_<


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Valued Member
Rvan1961
Posts: 47
Registered: ‎04-29-2011

Re: Derogatory Mark gone from Credit Karma

I hope it's good news for you :smileyhappy:


Starting Score: 622
Current Score: 650
Goal Score: 750


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Established Contributor
gbishere
Posts: 736
Registered: ‎07-07-2010

Re: Derogatory Mark gone from Credit Karma

It sounds like good news.

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: Derogatory Mark gone from Credit Karma??


silver0187 wrote:

Hi all, I have a question. 

I have a paid collection (from 2001) but it showed unpaid on my TU credit report. I put in an inquiry (around the beginning of May) to have it report as paid. On my Credit Karma account, it showed that I have 1 derogatory mark (the collection). BUT today when I update my Credit Karma score, the derogatory mark is gone (said 0) on Credit Karma! Could I take this as the collection was deleted on my actual credit report??

 

Thank you for reading!



The credit information on CK's website is  taken from your TU's report.  It is very reliable.  The only difference  are the scores. 

Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011

Re: Derogatory Mark gone from Credit Karma??

Thank you for confirming guys! yay!!!! now i have a clean CR! yes yes yes


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: Derogatory Mark gone from Credit Karma??

Aren't you even in the slightest interested as to what your TU FICO score increased to by this negative TL being removed??

 

The very first thing I would do (and have done) when a negative listing was removed from my report/s was to pull a FICO to see the increase in scores it gave me.

 

For example, last week I refreshed my EX report at FCR.com and noticed that a CO I had been disputing was gone, the very next thing I did was to go to my EQ monitoring service and refresh that report and it was gone from there too.

 

The very next thing I did was come here to MyFico and pull both my TU and EQ reports, my EQ score was 700 and after the CO was removed it went to 774, my TU score was 727, after the CO was removed it went to 784, IMO well worth the $31 I spent.

 

I get 30% off my EQ score because I have a SW acct with MyFico and I used a discount code for TU.

 

But even if I had to pay the full amount for both reports I WANTED to know where my scores went after that derog was removed.

 

Just my 0.01 cents.

 

BTW, Congratulations!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
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Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: Derogatory Mark gone from Credit Karma??


DI wrote:
 

The credit information on CK's website is  taken from your TU's report.  It is very reliable.  The only difference  are the scores. 



CK calculates your AAoA only by open accounts instead of both open and closed accounts. That's not the most reliable information IMO.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: Derogatory Mark gone from Credit Karma??


MarineVietvet wrote:

DI wrote:
 

The credit information on CK's website is  taken from your TU's report.  It is very reliable.  The only difference  are the scores. 



CK calculates your AAoA only by open accounts instead of both open and closed accounts. That's not the most reliable information IMO.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


As for as whether something has been deleted from one's TU report, CK is reliable.  It depicts what's being reported on one's TU report. 


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