topic Re: If only CK was really relevant LOL in General Credit Topics

If only CK was really relevant LOL

Jnbmom — Wed, 03 Jun 2020 07:48:59 GMT

I got a score alert Note I am never really alarmed by these alerts at all, but up 63 points sometimes must have changed for the better right and I was actually excited because I thought maybe my mortgage lates came off my Equifax, ummm NOPE very disappointment though as these changes don't merit that increase and my lates are still there uggg what a tease I am sure it will go back down in 2 days anyway LOL

Based on Equifax data

Credit changes

Current score

751

Jun 3

63 pts

to 751

We found 3 changes to your Equifax credit report.

Balance Increase

SYNCB/LOWES

Balance Increased by $800

Balance Decrease

CITIZENS ONE AUTO FI

Balance Decreased by $171

Updated Account Information

USAA SAVINGS BANK

Account Number Changed

Expecting a change that you don’t see?Equifax may not have updated your report yet.

Re: If only CK was really relevant LOL

Anonymous — Wed, 03 Jun 2020 08:26:30 GMT

Com'mon "Mom" ... you know CK has been doing their own thing since the beginning of time?!

Re: If only CK was really relevant LOL

Jnbmom — Wed, 03 Jun 2020 08:42:47 GMT

@Anonymous wrote:
Com'mon "Mom" ... you know CK has been doing their own thing since the beginning of time?!

@Anonymous @Yeah I know better 😂😂😂😂

Re: If only CK was really relevant LOL

GApeachy — Wed, 03 Jun 2020 12:18:20 GMT

@Jnbmom wrote:
@Anonymous wrote:
Com'mon "Mom" ... you know CK has been doing their own thing since the beginning of time?!
@Anonymous @Yeah I know better 😂😂😂😂

Yeah I like how my ck fo-score goes up when my balance goes up Have you compared your reports to "MyEquifax" to see if something really did get removed afterall? ie. lates I mean 63 is huge, something had to have happened it seems, not just those balances- well you would think.

Re: If only CK was really relevant LOL

Anonymous — Thu, 04 Jun 2020 03:42:43 GMT

I don't know what Citi uses for scoring tracking, but they list me at 817 EQ while CK EQ is only 799.

Disco is telling me 808 on TU, CK only shows 760ish.

Re: If only CK was really relevant LOL

Jnbmom — Thu, 04 Jun 2020 03:44:10 GMT

@GApeachy wrote:
@Jnbmom wrote:
@Anonymous wrote:
Com'mon "Mom" ... you know CK has been doing their own thing since the beginning of time?!
@Anonymous @Yeah I know better 😂😂😂😂
Yeah I like how my ck fo-score goes up when my balance goes up Have you compared your reports to "MyEquifax" to see if something really did get removed afterall? ie. lates I mean 63 is huge, something had to have happened it seems, not just those balances- well you would think.

Yeah I checked nothing major then the 3 things they listed, I am sure by friday I will lose 66 points @GApeachy lol

Re: If only CK was really relevant LOL

Brian_Earl_Spilner — Thu, 04 Jun 2020 04:18:45 GMT

I logged in tonight and saw my EQ was 704 and 😮 before I remembered it was VantageScore...😓

Re: If only CK was really relevant LOL

Anonymous — Thu, 04 Jun 2020 08:54:01 GMT

Man I was so bummed when I first found out credit Karma wasn't real, haha! When I learned, I immediately checked discover scorecard, and I went from "660s" to 605, and that was 6 months ago. I'm still only at 624, and my Vantage are in the 680's, so at least they're changing at the same rate! Lmao

Re: If only CK was really relevant LOL

Adkins — Thu, 04 Jun 2020 10:38:16 GMT

@Brian_Earl_Spilner wrote:
I logged in tonight and saw my EQ was 704 and 😮 before I remembered it was VantageScore...😓

🤗🤗

Re: If only CK was really relevant LOL

Anonymous — Thu, 04 Jun 2020 12:57:40 GMT

They did the same to me. I was dancing and confused AF. Then next day, scores decreased back 🤣🤣🤣🤣🤣

Re: If only CK was really relevant LOL

coreysw12 — Thu, 04 Jun 2020 17:37:08 GMT

Just checked, and CK says I have "Fair" approval odds for a Fingerhut card! I'll be right back

Re: If only CK was really relevant LOL

coreysw12 — Thu, 04 Jun 2020 17:41:41 GMT

It also says I have "Poor" odds of getting approved for a CSP, which to be fair, is probably accurate since I definitely wouldn't be approved if I applied

I hate their approval odds thingy, it's rarely accurate and mostly all it does is cause false hope for people and generate inquiries on their reports, all for the sake of CK getting their referral bucks. It's almost downright predatory behavior.

Re: If only CK was really relevant LOL

Jnbmom — Thu, 04 Jun 2020 20:22:17 GMT

Yes they tell me I have good approval odds for the deserve card 😂😂😂😂😂Really wow well sign me up 🙄🙄🙄

Re: If only CK was really relevant LOL

K-in-Boston — Thu, 04 Jun 2020 21:20:03 GMT

I am soooo glad hardly anyone uses Vantage scores. I would be getting AA left and right. I also love how I have poor and sometimes fair odds for all of the rebuilding cards because of my low scores. Meanwhile they hit me with this yesterday and I did a double-take.

Fair approval odds for Credit One, but they were trying to get me into a US Bank Cash+ based on... yeah, I don't know where they got those numbers.

Re: If only CK was really relevant LOL

Anonymous — Fri, 05 Jun 2020 00:37:21 GMT

@Jnbmom wrote:
Yes they tell me I have good approval odds for the deserve card 😂😂😂😂😂Really wow well sign me up 🙄🙄🙄

That card is better than this one!

Re: If only CK was really relevant LOL

Ugenie7 — Fri, 05 Jun 2020 01:32:41 GMT

You all just not checking in often enough so CK sends a silly alert to get you back in. Then show you their advertising! 🤑

I checked in today and saw an offer for an upgrade card. Whatever that is. 🤔

Re: If only CK was really relevant LOL

Anonymous — Sat, 06 Jun 2020 06:11:12 GMT

@Anonymous wrote:
They did the same to me. I was dancing and confused AF. Then next day, scores decreased back 🤣🤣🤣🤣🤣

Credit Karma gets a bad rep.... but really, for a free services its quite good. It is more about the credit report than the credit score. And they have a good interface for seeing your balances, limits, utilization, and when your balance was last reported. also age of accounts, any collections is all laid out nicely.

they use vantagescore. i get it, no lender uses it. but its free and you arent getting EF/TU fico scores free anywhere outside a few credit cards. And for all the flack vantagescores get, its a decent guage of your credit health, which while is not the score a lender will see, should help guide people on their journey to improve scores. Capital ones creditwise is also good in the report and guidance.

Unfortunetly there is no inexpensive non-credit card option to get all 3 ficos 8s as they update. id gladly pay myfico or someone else 10$ a month for 3B report of fico 8s. 40 bucks a month is alot especially if your rebuilding.