topic Re: CK what a giggle in General Credit Topics

CK what a giggle

Jnbmom — Sat, 21 Nov 2020 14:52:20 GMT

While I know it is strictly for entertainment purposes, I couldn't help but shake my head.

we got an update that his TU score changed, went down 51 points. The only change a 4.00 balance reported from discover . FOUR dollars🥺What a crock of ....

🤣🤣🤣

Re: CK what a giggle

M_Smart007 — Sat, 21 Nov 2020 16:13:09 GMT

Just to add to your post ..I got a new cell phone ,,

did not do a "copy all the APP's to new phone" .. installed only what I needed.

Left CK by the wayside. (Ya, I know the alerts are meaningful)

Already have enough credit monitoring alerts

Re: CK what a giggle

Anonymous — Sun, 22 Nov 2020 00:15:13 GMT

How many other cards with balances do you have and how many total accounts?

Re: CK what a giggle

Jnbmom — Sun, 22 Nov 2020 03:16:49 GMT

@Anonymous wrote:
How many other cards with balances do you have and how many total accounts?

Nothing changed except 4.00 on discover every other balance remained the same This just proves my point that CK is full of crap 💩

Re: CK what a giggle

chiefone4u — Sun, 22 Nov 2020 03:29:26 GMT

@Jnbmom wrote:
@Anonymous wrote:
How many other cards with balances do you have and how many total accounts?
Nothing changed except 4.00 on discover every other balance remained the same This just proves my point that CK is full of crap 💩

Shows why VS3.0 wasn't widely accepted by lender's; small seemingly meanless changes had overreacting score changes.

Re: CK what a giggle

Anonymous — Sun, 22 Nov 2020 03:38:09 GMT

@Jnbmom wrote:
@Anonymous wrote:
How many other cards with balances do you have and how many total accounts?
Nothing changed except 4.00 on discover every other balance remained the same This just proves my point that CK is full of crap 💩

Not the question I asked, but it isn't important.

I doubt the $4 change caused the significant score change seen. I'd chalk it up to a glitch more than anything else, as people report wild VS3 swings up/down with seemingly no changes to their CR. I think the $4 change simply caused a new score to be generated for you, but the score change wasn't related to the balance change.

Re: CK what a giggle

FinStar — Mon, 23 Nov 2020 04:04:41 GMT

@Jnbmom wrote:
@Anonymous wrote:
How many other cards with balances do you have and how many total accounts?
Nothing changed except 4.00 on discover every other balance remained the same This just proves my point that CK is full of crap 💩

Or... "fluff", like a fluffy teddy bear 🧸

Re: CK what a giggle

Anonymous — Mon, 23 Nov 2020 04:46:58 GMT

CK is arguably the GOAT when it comes to front end fluff.

Re: CK what a giggle

Iusedtolurk — Tue, 24 Nov 2020 15:14:09 GMT

@Jnbmom wrote:
While I know it is strictly for entertainment purposes, I couldn't help but shake my head.

we got an update that his TU score changed, went down 51 points. The only change a 4.00 balance reported from discover . FOUR dollars🥺What a crock of ....
🤣🤣🤣

Reverse engineer it. Pay off the 4.00 balance and see if you get your 51 points back...if not...then something else affected the Vantage score algorithm.

Re: CK what a giggle

Anonymous — Tue, 24 Nov 2020 23:20:55 GMT

Good suggestion above.

Re: CK what a giggle

tricie17 — Wed, 25 Nov 2020 19:53:08 GMT

Vantage scores are defining a new space era of reporting. I was laughing with you.