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CreditKarma Recommendations

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ray8806
Regular Contributor

CreditKarma Recommendations

This thing has to be wrong. It's recommending me for the Chase Sapphire (regular one, not preferred).

There is no way I can get approved for any Chase cards right now. My AAoA is extremely low, lots of INQs, and my revolving credit is only 4 months old. I think the only things that would help me would be that I have no baddies and I have a checking account with Chase.

But no matter, I want the preferred. Not the regular one. 😝
EQ: 710(FICO) EX: 695(FICO) TU: 708(FICO)
Message 1 of 36
35 REPLIES 35
Anonymous
Not applicable

Re: CreditKarma Recommendations


@ray8806 wrote:
This thing has to be wrong. It's recommending me for the Chase Sapphire (regular one, not preferred).

There is no way I can get approved for any Chase cards right now. My AAoA is extremely low, lots of INQs, and my revolving credit is only 4 months old. I think the only things that would help me would be that I have no baddies and I have a checking account with Chase.

But no matter, I want the preferred. Not the regular one. 😝

I wouldn't put any faith into what CK recommends. They're free for a reason.

Message 2 of 36
FinStar
Moderator Emeritus

Re: CreditKarma Recommendations


@Anonymous wrote:

@ray8806 wrote:
This thing has to be wrong. It's recommending me for the Chase Sapphire (regular one, not preferred).

There is no way I can get approved for any Chase cards right now. My AAoA is extremely low, lots of INQs, and my revolving credit is only 4 months old. I think the only things that would help me would be that I have no baddies and I have a checking account with Chase.

But no matter, I want the preferred. Not the regular one. 😝

I wouldn't put any faith into what CK recommends. They're free for a reason.


Exactly.

Message 3 of 36
Anonymous
Not applicable

Re: CreditKarma Recommendations

Their recommendations have been accurate for me-i know! so ironic! However their credit score is not as accurate as their recommendations. 

Message 4 of 36
Anonymous
Not applicable

Re: CreditKarma Recommendations

Credit Karma recommended that I might be a good candidate for chase freedom, and chase disagreed, left me with hps on equifax and experian.

Message 5 of 36
Anonymous
Not applicable

Re: CreditKarma Recommendations

When I first started using it the recommendation was capital one quiksilver one and i was approved. now it recommended barclay rewards for average credit and i was approved again! 

Message 6 of 36
Anonymous
Not applicable

Re: CreditKarma Recommendations


@Anonymous wrote:

When I first started using it the recommendation was capital one quiksilver one and i was approved. now it recommended barclay rewards for average credit and i was approved again! 


those two cards, anyone using this forum could've told you that, because they are building/rebuilding cards.

Message 7 of 36
Anonymous
Not applicable

Re: CreditKarma Recommendations


@Anonymous wrote:

@Anonymous wrote:

When I first started using it the recommendation was capital one quiksilver one and i was approved. now it recommended barclay rewards for average credit and i was approved again! 


those two cards, anyone using this forum could've told you that, because they are building/rebuilding cards.


It was before this forum.

Message 8 of 36
Anonymous
Not applicable

Re: CreditKarma Recommendations

I dont know oddly enough I got denied for the chase disney, sapphire, chase zappos lets just say chase was not feeling me lol, then creditkarma said I would qualify for the Freedom this is a week after all those denials, and I did it figured what the hell and boom APPROVED!!! go figure so CK can be hit or miss.

Message 9 of 36
chalupaman
Super Contributor

Re: CreditKarma Recommendations

I'll never forget that time back in May when CK was recommending me the Chase Freedom and I foolishly applied for it. One HP on EX, one HP on EQ, and a big fat denial. Their accuracy is astounding to me.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 10 of 36
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