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~WILL ADD COLLECTIONS/CHARGE OFFS/PUBLIC RECORDS
01/30/16
TU Raw Report
*Chapter 13 BK DISMISSED due off 12/18
*Auto 1-30 day late 11/15 ---01/16 pays as agreed
*First Premier Bank $386 charged off due off 01/17
*General Revenue Corp- Community College $2598 debt in collection due off 11/20
*Pinnacle Credit Services- Verizon Wireless $427 in collection due off 01/17
*20 accounts reporting satisfactory
Only Nordstrom Visa AU account showing $40/5000 SL
2/6/16
Experian Raw Report:
*CH 13 BK DISMISSED due off 01/19
*Michigan Tax Lein $710 original balance paying monthly since '15
*Account Services -medical bill $72 due off 2/20
*Capital One -charged off/never late? $199 written off $150 past due due off 2/19
*Auto loan -30 days 11/15 due to go positive by 8/22 02/16 pays as agreed
*First Premier Bank - Account charged off $386 written off $385 past due- due off 11/16
*General Revenue Corp - Community College debt collection account $2598 past due- due off 9/20
*Pinnacle Credit Services - Verizon Wireless collection account $427 past due -due off 11/16
*Scana Energy- GA electric bill account charged off $67 written off due off 01/17
*Scana Energy - GA electricbill account charged off $130 written off dye of 06/17
*Sentry Credit- Nordstrom debit card collection account $159 due off 11/21
Stallings Financial Group- Marietta Power collection account $567 due of 04/19
**14 positive accounts
10 inquiries fall '16
31 inquiries fall '17
3 inquiry fall January '18
1 inquiry fall February '18
02/06/16
Equifax Raw Report
*Georgia Chapter 13 Dismissed Disposition date 12/13/12
*Michigan Tax Lien filed 10/2008
*Stallings Financial Group Marietta Power collection $567 unpaid DOFD 07/12 collection
12/13*Account Services medical $72 collection DOFD 5/13
*Sentry Credit Nordstrom debit collection $159 DOFD 2/15
*Capital One charged off $150 DOFD 02/12
*General Revenue collection Community College debt $2598 DOFD 12/13
*First Premier charge off $385 DOFD 02/10
*Pinnacle Credit Services collection $427 DOFD 02/10
*Scana Energy charge off $67 DOFD 02/10
*Scana Energy charge off $130 DOFD 04/10
*Scana Energy charge off $122 DOFD 03/09
**24 positive accounts
13 inq off '16
41 inq off '17
8 inquiries off 01/18
March 28th 2015 - purchases vehicle (don't remember credit score from dealership. Maybe 540ish)
August 2015- Secured 5/3 Mastercard $300
September 2015- Eddie Bauer $250 (closed by consumer)
September 2015- Express Next $250
September 2015- Discover it secured $200
October 2015-Kohl's $300
December 2015- Capital One Platinum $100 then $500 after 5 months (CapOne closed when approved for QS1)
January 2016- Capital One QS1 $500 with credit steps
Utilizing CK & myFICO Ultimate 3B
January '16
Utilization is 14% including AU accounts
AAofA- 5 years
January '16 -Currently am carrying 30+ inqs across the board per CK. Raw reports significantly different!
@peaved_about_credit wrote:
CK .....666 as of today for TU.
myFICO & CCT still reflects TU as 615
Credit Karma is a FAKO score. It will seldom match up with true FICO 8 scores from here and CCT.
@peaved_about_credit wrote:
Understood. Why is CK so quick to update and the ones that matter is not?
There are different triggers associated with the services.
http://myfico.custhelp.com/app/answers/detail/a_id/463/kw/3-bureau%20monitoring/session/L3RpbWUvMTQx...
http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Score-Watch-Guide/td-p/603543
@Norman FH.... cut is still allowing 3 a month? I thought I got an email that it was only one a month now. I am subscribed to so many services I could be mixing them up. Either way, it's still more 3B pulls thAn you get anywhere else, so I'm happy.
Oh well derp. I didn't even look at the date. Sheesh I am really batting a thousand today.