2 Issues. Denied & can not access my credit report. No score w/ Experian due to 6 mo no reporting

[coldfusion]

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@Anonymous wrote:

Assuming Credit Karma is accurate...... went from 732 on 1/31 to 640 on 2/3.  Only thing that changes was on that report is 2 hard pulls from Capitol One and Am Ex.    

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Depends on what you mean by "accurate". 

If you mean in the context that CK is accurately reporting your Vantage 3.0 scores based upon Transunion and Equifax data, then yes. 

If you mean in the context that it's an accurate representation of any FICO score, then no.    The algorithms are substantially different and Vantage 3.0 scoring can track wildly differently than FICO scores to the point where there can be a more than 100 point differential between one's FICO 8 and Vantage 3.0 scores. 

[Anonymous]

 Cold fusion

Credit Karma is currently the only access I have to any type of score.  Will work on getting a subscription to see what all 3 scores are tonight.  Working from my phone.  

My lead in statement about Credit Karma was to your point.... assuming that score is accurate 2 hard inquiries hit me almost 100 points.  Rookie here so don't know the system but that seems like a substantial drop.     

Will keep gathering info to do my best to answer questions you all present.   

Appreciate the feedback. 

[coldfusion]

You can start off by going to https://www.creditchecktotal.com/ and subscribing to their $1 for 7 days promo in order to get your FICO scores.

Just be sure to cancel before the 7 days are up.

One commonly observed phenomenon with Vantage 3.0 scores is that changes that have minimal to no impact on your FICO scores can have a huge impact on Vantage 3.0 scores.    This means that a significant shift in Vantage 3.0 scores may, but then again may not, translate into a big shift in your FICO scores.

Lastly, keep in mind that pretty much nobody that matters uses Vantage 3.0 scoring to make credit decisions.   FICO scores are what matters.

[Anonymous]

Bank of America was from 2015.    I do show as an AU on the Chase account but only shows on Experian. 

[coldfusion]

kelmbabe, are you trying to post images?

[joemomma]

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@Anonymous wrote:

Wife called Chase, I am a AU.  That does not get reported.  Chase does not allow co-account holders.

That card was opened in May 18.  Does not show on my reports.  

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fwiw my wife is an AU on my Chase Sapphire Preffered and everything is on all 3 of her reports

TU: Responsibility: Authorized Account

EXP: ResponsibilityAuthorized user

EQ: Owner: Undesignated

[Anonymous]

coldfusion

I am trying to post screeshots of credit scores.  Either to big or will not accept PDF.    So copied and pasted.  

Can I assume they are not viewable?

[coldfusion]

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@Anonymous wrote:

coldfusion

I am trying to post screeshots of credit scores.  Either to big or will not accept PDF.    So copied and pasted.  

Can I assume they are not viewable?

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Correct.  This is what I see and I checked on 2 different  computers. 

[Anonymous]

Wife nor I could figure out how to get pics to attach.   Via photos.... no pdf or file is to large.   Zip does not work.  

Wanted to share shots of my score page and notes.

Small victory..... finally found a lady at Chase who spent time digging and answering questions.   When she looked into why I was not being reported to 2 of the agencies as an AU,  the Experian report showed an old address for me from 2012 on the report on her end.   She thought the address discrepancy could likely be the issue. 

Strange thing is the only report that old address shows on is Equifax.   All three reports show my current address where we have lived for almost 5 years as the main address.  

Faxed Chase my SS card and she has added my SS # to may name for that account and should report on the 22nd.   Goal is that adding the SS number will help pull that info in to all agencies.   

I am working to figure out how to attach some screenshot of my reports.    Appreciate the patience and help.  

[Anonymous]

Again sorry about the quality.  I hope these three screenshot post.