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Credit karma scores are typically very off same with the simulator. Try a trial with my Fico or CCT and then use the simulators. Yes paying down utilization will bump your score up.
@Anonymous wrote:
First time posting 😃
My Credit Karma scores are 619 TU & 614 EX.
Applied Bank 3/05 2049/2750 (on TU only)
Mortgage 5/10 119142/132000
Capital One 2/04 779/1650
Capital One 7/15 Closed/Paid
CB/Meijer 11/14 999/1000
Bank Car Loan 5/01 Closed/Paid
Credit One 10/14 639/800
Kohls/Cap One 11/14 0/400
Syncbank/Amazon 12/15 678/700
3 HP's (7/15, 7/15, 12/15)
Medical Collection - Rev Recovery 6/15 $396
Only lates - 3 30 days on mortgage(10/13, 3/14, 4/14)
I know my biggest problem is credit utilization, but even if I pay down to 1% utilization, CK still only predicts my score increasing to 660. I tried a PFD on medical collection... They say they will do it but refuse to give it in writing. What else can I do to get score up???
Credit Karma is good for knowing about UTI and what's on your report, but little else. Whether or not the Medical collection if PFD or not, getting it to no longer update if it is still doing it will be good. Getting your UTI down under 10% if possible will help your score rise. You never said what you are trying to get your score to and who you are trying to refinance with? More information would be appreciated.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
I am not sure about refinacing a mortgage. If they use mortgage scores then they could possibly be higher as well. I know my mortgage scores are almost a 100 points higher than my fico 8. That would only take a phone to the bank you plan on using to find out.
Good Luck!
Celebrating the small victories...Got a Kohl's CLI from $400 to $700!