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Credit Karma - Showing 1 account in collections that my actual report doesn't show

Moderator

Re: Credit Karma - Showing 1 account in collections that my actual report doesn't show

The difference in AAoA from CK is they only use open accounts and FICO uses open and closed accounts to calculate AAoA.

Message 11 of 13
Moderator

Re: Credit Karma - Showing 1 account in collections that my actual report doesn't show


StartingOver10 wrote:

The difference in AAoA from CK is they only use open accounts and FICO uses open and closed accounts to calculate AAoA.


+1



Start: 619 (TU08, 9/2013) | Current: 802 (TU08, 3/13/18)
AMEX BCE $34000 | Discover IT $27000 | cashRewards VS $25000 | Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 Store $25000 | Care Credit MC $20000 | BofA BBR #1 $19000 | BoA BBR #2 $18800 | Cap 1 QS WMC $17250 | JCP $15000 | CashForward WMC $14000 | Barclay Rewards WMC $14000 | Citi DC $12600 | Cash+ VS $12000 | Freedom VS $12000 | Disney VS $11500 | Cash 365 AMEX $11000 | WCU Visa $10000 | Uber VS $9000 | Blispay $7500 | Amazon VS $7300 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 4/1/18
Message 12 of 13
Established Member

Re: Credit Karma - Showing 1 account in collections that my actual report doesn't show

Thanks, StartingOver10, +1. That makes a lot more sense. Funny the CK support guys didn't think of that! I guess that means my TU FICO score will always be higher than the CK FAKO score at least for a while (considering I have a lot of long lasting closed accounts).


Starting Score(8/15/13): 607
Current Score(5/20/16): 750
Final Goal Score: 800


Firmly in the Garden starting 7/23/2015 until 7/23/2017
Message 13 of 13