Reply
Established Contributor
Posts: 767
Registered: ‎04-08-2011
0

Re: Derogatory Mark gone from Credit Karma??

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


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


Take the FICO Fitness Challenge
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Derogatory Mark gone from Credit Karma??

 


silver0187 wrote:

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


I made a typo.  Was saying CK. 

Established Contributor
Posts: 767
Registered: ‎04-08-2011
0

Re: Derogatory Mark gone from Credit Karma??

[ Edited ]

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.

 

 


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


Take the FICO Fitness Challenge
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Derogatory Mark gone from Credit Karma??

 


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.

 

 


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

Established Contributor
Posts: 767
Registered: ‎04-08-2011
0

Re: Derogatory Mark gone from Credit Karma??

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?


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


Take the FICO Fitness Challenge
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Derogatory Mark gone from Credit Karma??

 


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?


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. 

Established Contributor
Posts: 767
Registered: ‎04-08-2011
0

Re: Derogatory Mark gone from Credit Karma??

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 :smileyvery-happy:


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


Take the FICO Fitness Challenge
New Visitor
Posts: 7
Registered: ‎05-30-2011
0

Re: Derogatory Mark gone from Credit Karma

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. 

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.