topic Re: HELP :/ in General Credit Topics

HELP :/

Gornet — Thu, 24 Apr 2014 00:46:03 GMT

How often are you supposed to pull up your credit report? Does it affect you?
How often does it change?
I want to cry right now
I used credit karma and it says it's low

Re: HELP :/

adavis425 — Thu, 24 Apr 2014 00:48:40 GMT

CK scores aren't real. Get them from this site instead and don't worry, with a little hard work they'll rise.

Re: HELP :/

Gornet — Thu, 24 Apr 2014 00:52:12 GMT

How is it bad though ??? This is my first credit card!

Re: HELP :/

09Lexie — Thu, 24 Apr 2014 00:52:59 GMT

@Gornet wrote:
How often are you supposed to pull up your credit report? Does it affect you?
How often does it change?
I want to cry right now
I used credit karma and it says it's low

When you are considering apping for credit. Monitoring services can alert you to bal changes or other changes to your profile

It can change often, based on statements reporting, new TLs or inq's

CK is good for monitoring bal, inq's etc. I would not worry too much about your score. Worry about what's in your report,

Re: HELP :/

Anonymous — Thu, 24 Apr 2014 01:00:54 GMT

What does credit karma say that's keeping it down too many HPs or derogatory marks?

Re: HELP :/

Gornet — Thu, 24 Apr 2014 01:07:35 GMT

No hard pulls and derogatory marks is a A
It says I got a f on having 2 Accs but I really only have 1

Re: HELP :/

Anonymous — Thu, 24 Apr 2014 01:13:16 GMT

I would get an actual copy of your credit report to see what that 2nd account is to be safe but overall just let your card age and open a few more in a few months while keeping utilization low and credit karma should show improvement.

EDIT: I have an F too for accounts you need 8 I think just for a D seems extreme a mortgage 2 car loans and 3 cards are still not enough lol.

Re: HELP :/

Gornet — Thu, 24 Apr 2014 01:16:45 GMT

Loll I want perfect grades!
But omg I have a f for having 2 Accs and them being young! **bleep**

Re: HELP :/

mongstradamus — Thu, 24 Apr 2014 01:28:34 GMT

@Gornet wrote:
How often are you supposed to pull up your credit report? Does it affect you?
How often does it change?
I want to cry right now
I used credit karma and it says it's low

To get an clearer picture of your credit I would try and pull your free credit report you get every year from annual credit report. Then you can see if you have any thing bad that is affecting your account. Once you find that out you can decide what your next few steps are going to be,good luck!

Re: HELP :/

aubie1kenobie2 — Thu, 24 Apr 2014 01:34:42 GMT

@Gornet wrote:
Loll I want perfect grades!
But omg I have a f for having 2 Accs and them being young! **bleep**

As mentioned by several people on here, credit building is a marathon (not a race), a journey, etc. You'll get better scores if you take good care of your existing accounts and eventually they won't be considered "young". Don't app anymore for about 6 months and trust me, your scores will improve, and by then, you'll be in a better position to secure more cards if you need it. Good luck

(As you can see from my siggy, was in the same situation a few months ago. Just be patient and you'll get there!)

Re: HELP :/

Gunnar419 — Thu, 24 Apr 2014 01:36:54 GMT

@Gornet wrote:
Loll I want perfect grades!
But omg I have a f for having 2 Accs and them being young! **bleep**

Oh, CK and that infamous "F" on the number of accounts. Don't worry! Ck's idea of the proper number of accounts gets joked about regularly around here. It's ridiculous. Worry about your on-time payments and your utilization. Worry somewhat about your average age of accounts. But don't worry about CK's goofy recommendation that you have 22 accounts or whatever it is they think is good these days.

Re: HELP :/

Gornet — Thu, 24 Apr 2014 01:38:19 GMT

Thanks everyone! My mom will probably yell at me because I suppose to have like perfect credit now how am I going to get my maserati

Re: HELP :/

VirtualCuriosity — Thu, 24 Apr 2014 03:07:16 GMT

Hmmm. Just read several other posts from OP and I am gonna go out on a limb and say people are feeding this one lol.

HELP #2

Gornet — Thu, 24 Apr 2014 06:28:34 GMT

So I told my mom I used credit karma and she was so mad she said I loose points and how they will keep pulling it and I will loose more points is this true???

OP,

I have merged your threads. Please refrain from posting duplicative threads/posts.

Thank you ~Lexie, myFICO Moderator

Re: HELP :/

Gornet — Thu, 24 Apr 2014 06:53:26 GMT

Sorry Lexie
Do you know of credit karma knocks off points

Re: HELP :/

Ghoshida — Thu, 24 Apr 2014 06:57:43 GMT

@Gornet wrote:
Sorry Lexie
Do you know of credit karma knocks off points

Credit Karma, Credit Sesame, Quizzle, MyFico: these are using pulls authorized by you to view your own credit and not for any credit application.

They will not lower your credit score. In fact, you should proactively use these tools to monitor your credit as well as any unauthorized action.