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CK what a giggle

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Community Leader
Senior Contributor

CK what a giggle

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 ....

🤣🤣🤣

EXP 758 TU 783 EQ 729
Message 1 of 11
10 REPLIES 10
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Epic Contributor

Re: CK what a giggle

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 meaningfulSmiley Tongue)

Already have enough credit monitoring alertsSmiley Very Happy

popcorn eating emoticon.gif

Message 2 of 11
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Super Contributor

Re: CK what a giggle

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

Message 3 of 11
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Community Leader
Senior Contributor

Re: CK what a giggle


@BrutalBodyShots 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 💩 

EXP 758 TU 783 EQ 729
Message 4 of 11
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Established Contributor

Re: CK what a giggle


@Jnbmom wrote:

@BrutalBodyShots 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. 

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 5 of 11
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Super Contributor

Re: CK what a giggle


@Jnbmom wrote:

@BrutalBodyShots 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.

Message 6 of 11
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Moderator

Re: CK what a giggle


@Jnbmom wrote:

@BrutalBodyShots 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 🧸 

Message 7 of 11
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Super Contributor

Re: CK what a giggle

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

Message 8 of 11
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Frequent Contributor

Re: CK what a giggle


@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.

Message 9 of 11
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Super Contributor

Re: CK what a giggle

Good suggestion above.

Message 10 of 11
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