My Credit Karma Update

Agent_Zero · ‎10-13-2013

I use credit krama because it's nice to have all my accounts right there in front of me. So I know which cards I should pay down first, and they're good in letting me know how many hard pulls I have.

So today I logged in because my weekly update. It jumped from 652 to 686. AHHHHHHHHHHHHHH!!!!!!!!!!

I'm kind of speechless and confused on how it jumped that much but it's great seeing that. Plus I know CK is usually lower from my real score by a couple points. So I can only imagine what my real scores are. It is only 10:31 AM and it has already been a good day.

I'm hoping to be in the 700's by next year. Fingers crossed.

Special thanks to everybody on these forums. I've learned so much. Asking questions and reading posts.

Recovering from a irresponsible au.

***-Gardening-***
10/10/13-4/10/13

If it won't for myfico my only card would be my debt it card.

Necromancer · ‎10-13-2013

You may already there. CK is ~45 points lower than my TU score. Congrats, keep up the good work

Agent_Zero · ‎10-13-2013

And I just got my first cc offer from chase for the slate card. How nice after they rejected me for the freedom card. Lol

Recovering from a irresponsible au.

***-Gardening-***
10/10/13-4/10/13

If it won't for myfico my only card would be my debt it card.

Agent_Zero · ‎10-13-2013

Don't tell me that I will really be walking around with a big head then. Lol

Recovering from a irresponsible au.

***-Gardening-***
10/10/13-4/10/13

If it won't for myfico my only card would be my debt it card.

KoolDev · ‎10-13-2013

CK has been so all over the board for me. Got an email yesterday from them saying my employer had updated LOL and dropped me 30 pts. Equifax has been the best for me followed by myFico. But, Equifax charges you evey month but you can update it daily.

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex

KoolDev · ‎10-13-2013

I had the opposite on the Chase cards. Freedom accepted me and the Slate said, uhhhh, NO. LOL

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex

youngandcreditwrthy · ‎10-13-2013

My CK changes every week nearly... Although my actual Fakos don't change much.
Ime, there really is no correlation between the two scores.
My CK has gone from
678-764 to 752 to 689 to 711 to 713 to 724.
LOL it's a crazy scoring model.

youngandcreditwrthy · ‎10-13-2013

FICOs*

Agent_Zero · ‎10-13-2013

Smh. Yeah I see it's not the best. I use mint for looking over my overall balance, but they don't give me a score. With ck it's nice to know the score or alteast be in the ballpark for free.

Recovering from a irresponsible au.

***-Gardening-***
10/10/13-4/10/13

If it won't for myfico my only card would be my debt it card.

Agent_Zero · ‎10-13-2013

LOL!! there so wierd. I'm not going to take the offer yet tho. I got approved for barclay card after chase told me no. Now they want me.

Recovering from a irresponsible au.

***-Gardening-***
10/10/13-4/10/13

If it won't for myfico my only card would be my debt it card.