Rebuilding Your Credit

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Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: CreditKarma is killing me!

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‎01-26-2013 04:54 AM

nicholasyud wrote:

Im asian . when i first got my insurance they check my report and i was like ...what my credit score and report gotta do with insurance rate ?? .....hmmmmmm first thought of my mind, i thought they racist or something but i was like if i dont paid my bill on time is that mean i can't drive ? or they just think im asian.....lol..........

^^^^^ THIS! LOL. Ur silly, nicholasyud

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Message 21 of 25 (204 Views)
 
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Regular Contributor
ando35
Posts: 195
Registered: ‎10-05-2010

Re: CreditKarma is killing me!

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‎01-26-2013 05:16 PM

Credit karma sucks, there scores are not fico. Plus when you cancel, they say you cannot join again for 7 years. Bizarre.

Message 22 of 25 (179 Views)
 
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soILseminole
Posts: 80
Registered: ‎01-17-2013

Re: CreditKarma is killing me!

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‎01-27-2013 09:01 PM

a free way to monitor (possibly) daily changes to your TU report....how does that suck? scores aside....

Current: |MyFico TU-766| |MyFico EQ-737| |Amex EX-736| (May '13)
Message 23 of 25 (144 Views)
 
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Regular Contributor
dobirdsmommy
Posts: 173
Registered: ‎02-29-2012

Re: CreditKarma is killing me!

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‎01-28-2013 04:42 AM

I hate the fact that my insurance is judged based on my credit. My reflection of my 2008 past deliquencies should have no recourse on my driving record especially when my husband and I have clean records since the day we have been driving.. And yes Shogun, in order to figure out the CK scoring range I think I need to go back to the DeMorgans Law of Negation in Logical Math.

Wallet:ME: 400 Cap One, 300 Cap One, 300 Orchard, 900 FH, Santander Car 12k/15k, Chase Auto Loan 15/16k, VS 350, BH 300, Express 500, Avenue 250, JCrew 300, HSN 500
DH: 300 Cap One 400 Cap One 300 Orchard 600 FH. AU - VS, BH
Message 24 of 25 (121 Views)
 
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New Contributor
elleng81
Posts: 60
Registered: ‎12-10-2012

Re: CreditKarma is killing me!

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‎01-28-2013 08:12 AM

Just wanted to add to the joke that is CreditKarma... I just used the 'score stimulator';  I updated the payment  factor to paying all of my bills on time for the next 24 months... and it showed my score as decreasing 18 points... nice.

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