General Credit Topics

[distantarray]

I gained 8 points 702 to 710  for my Transrisk score for going from 0% utility to 1% and LOST 22 points 802 to 782 vantage score for the same

[Shogun]

Don't feel bad, everytime my scores go up on CK, my Insurance rating goes down.  Guess people with good scores are bad drivers.   haha

[ds3]

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Shogun wrote:

Don't feel bad, everytime my scores go up on CK, my Insurance rating goes down.  Guess people with good scores are bad drivers.   haha

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I don't get that at all...my CK insurance score has dropped over 120 points simce July. I have had a perfect driving record for 20+ years, and pay next to nothing for car insurance. CK is the antithesis of every other CRA out there. I am always glad when my score drops, because I know it went up everywhere else.

[swpopham]

Inquires kill your insurance score

[Nati]

X2

3 hard pulls dropped my insurance rating from an A to a C

[guydiver]

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distantarray wrote:

I gained 8 points 702 to 710  for my Transrisk score for going from 0% utility to 1% and LOST 22 points 802 to 782 vantage score for the same

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Gotta love those Fako scores.

[GregB]

I wonder how much the Auto Insurance Score at CK has to do with credit. Mine is an absolutely flat line at 928. No change at all, ever. My CK Transrisk during the same period has varied by 60 points and my Vantage by 59. Of course, the Transrisk and Vantage have frequently moved in different directions for the same report change.

[Shogun]

My Transrisk goes up, my auto insurance goes down.  Like clockwork.  When I had crappy credit, it was high, now that I've got it all cleaned up, it's poor.  Go figure.

[Walt_K]

It's unsurprising that two different scoring systems would move in opposite directions?  For example, there can be honest disagreement on whether someone with zero utilization or 5% utilization presents a greater risk of default.