Do you ever want to giggle at CK?

[killer_queen229]

So I have poor approval chances for Double Cash and Blue Cash Everyday   Very good approval chance for Chase Freedom and a fair chance at getting Discover IT. All cards I already have.. thanks for the laugh, CK lol. Not like I didn't take you seriously anyway. 

[Anonymous]

I only use credit karma for credit card review, never actually used it to check my credit scores. and I hate their tv commercials with PASSION

[Shock]

the commercials are okay..but people who arent inclined will assume its a legitimate score...sigh. thats what i hate. 

[14Fiesta]

---

@Shock wrote:

the commercials are okay..but people who arent inclined will assume its a legitimate score...sigh. thats what i hate. 

---

They win out of technicality! There is a difference between a "credit score" and a "FICO score". So they are technically not lying in their ads when they say you get a free credit score. The thing is I have my own credit scoring algorithm too, that I am trying to convince lenders to adopt. It is "if bankruptcy = false, score = 850"

Anyone want to find out their " free credit score" from me? 

[longtimelurker]

---

@14Fiesta wrote:

---

@Shock wrote:

the commercials are okay..but people who arent inclined will assume its a legitimate score...sigh. thats what i hate. 

---

They win out of technicality! There is a difference between a "credit score" and a "FICO score". So they are technically not lying in their ads when they say you get a free credit score. The thing is I have my own credit scoring algorithm too, that I am trying to convince lenders to adopt. It is "if bankruptcy = false, score = 850"

Anyone want to find out their " free credit score" from me? 

---

I think you have to jazz it up a bit (and don't reveal the algorithm!   You'll have people gaming the system, by, e.g. not filing for bankruptcy)   I think all scores that I have seen are integers.   Imagine offering issuers scores to two places of decimals:  "Not all borrowers with a 700 score are alike!  Now, with 14Fiesta-LTL 14 score you can tell the risks from the profitable,  Know if a potential customer has a 700.12 or a 700,95!" etc

[skigirl916]

They can't even monitor correctly for me.  They show me having 30% utilization.  Haven't been that high since 2012... and the math just doesn't add up.  They also say I have a F as to inquiries.  Says 6.  4 of those 6 are 1 month away from being 2 years old, so only 2 should count.

And my score is 50 points lower than my lowest FICO.

It's crap.

Oh, and it says my chance of approval for Venture and Freedom are "Poor."  Umm, I have those cards - just got 'em, too! 

[chalupaman]

CK is decent for being able to keep track of accounts and stuff but their recommendations can be quite wacky sometimes. I remember when they recommended me the Chase Freedom back in May and I tried applying for it and got denied right on the spot! Two bureau HPs on EQ and EX for nothing.

[Anonymous]

---

@longtimelurker wrote:

---

@14Fiesta wrote:

---

@Shock wrote:

the commercials are okay..but people who arent inclined will assume its a legitimate score...sigh. thats what i hate. 

---

They win out of technicality! There is a difference between a "credit score" and a "FICO score". So they are technically not lying in their ads when they say you get a free credit score. The thing is I have my own credit scoring algorithm too, that I am trying to convince lenders to adopt. It is "if bankruptcy = false, score = 850"

Anyone want to find out their " free credit score" from me? 

---

I think you have to jazz it up a bit (and don't reveal the algorithm!   You'll have people gaming the system, by, e.g. not filing for bankruptcy)   I think all scores that I have seen are integers.   Imagine offering issuers scores to two places of decimals:  "Not all borrowers with a 700 score are alike!  Now, with 14Fiesta-LTL 14 score you can tell the risks from the profitable,  Know if a potential customer has a 700.12 or a 700,95!" etc

---

enough credit mumbo jumobo! take my money and give me credit score!

[Firehorse]

---

@14Fiesta wrote:

"if bankruptcy = false, score = 850"

---

Of course technically this would end up with a blank score since you are assigning and not comparing.

Or are you covertly showing us one of the many major flaws in CKs algorithm?

Sorry. Programmer. Couldn't let it fly. LOL.

[elim]

---

@Firehorse wrote:

---

@14Fiesta wrote:

"if bankruptcy = false, score = 850"

---

Of course technically this would end up with a blank score since you are assigning and not comparing.

Or are you covertly showing us one of the many major flaws in CKs algorithm?

Sorry. Programmer. Couldn't let it fly. LOL.

---

ELSE Score = "650"

End If

Exit Function