topic Re: Credit.com's Accuracy in General Credit Topics

Credit.com's Accuracy

SuperKirby — Thu, 26 Sep 2013 09:57:52 GMT

I don't subscribe to a CMS to view my reports. For those who do, do you mind letting me know how accurate credit.com's data is? As far as...

1. AAoA

2. HPs

3. Utilzation

I know CreditKarma's AAoA is way off since they don't account closed accounts. How is credit.com?

Also, I am guessing they report my Amex charge card's limit has the highest balance ever reported. Even so, my "total CL" is way off on credit.com.

Re: Credit.com's Accuracy

namvet — Thu, 26 Sep 2013 13:22:23 GMT

IME credit .com has been reporting correctly in the areas you mentioned.

Re: Credit.com's Accuracy

MidnightVoice — Thu, 26 Sep 2013 13:50:06 GMT

It is right for me. Got all my cards and up to date utilization. The HPs can be confusing, because sometime site report the ones that are over a year old and still on the report but not affecting the score

Re: Credit.com's Accuracy

SuperKirby — Thu, 26 Sep 2013 17:38:31 GMT

Thanks for the info.

Anyone know how Amex Charge cards utilization is factored in? My total CL is not what it should be... I think it just reports some random amount for my Charge card.