Credit karma

[Anonymous]

CK is reporting that 2 credit card accts have closed.One of My Chase accts and cap 1. Both cards are open and active PIF. Dropped my score 36 pts 😩. I know CK is not accurate but still it's hurts. What can I do here

[Anonymous]

Nothing to do, what CK does is irrelevant to anything. It will probably correct itself next month - maybe even next week. Its not uncommon for stuff to get misreported to third party sites like CK.

[Anonymous]

Be sure to click on Credit Reports and then click view TU accounts, look at the accounts shown, and then click Credit Reports, and click view EQ accounts. Maybe one of the reports wasn't fully pulled in / glitched. Are both TU and EQ at CK showing the accounts as closed or just one?

If still unsure, log into one or both those credit card accounts directly and check available credit / status change. Or easier, simply try using one or both of the cards - if they work, they're open.

Even if CK is glitching, there may be something else going on with your credit. If you've not used your free annual report for TU and/or EQ lately, this is a good time to do so. Alternatively, if you've been denied credit in the past 60 days, save the annual reports for later, and request free ones directly from TU / EQ - search forums for instructions, since TU, in particular, is tricky.

[Indycoltsfan]

My scores on CK and CS are absurdly low and inaccurate.  I will not even log into those sites anymore.  Makes my blood pressure go up when I see how off they are.  

[Anonymous]

CK / CS scores are a joke and near worthless, but the report data itself is usually somewhat accurate, though limited in detail. And CS monitoring darn good for a free service. Sadly, many report getting CS alerts faster than from MyFICO. Personally, I've received CS email alerts within seconds of a HP.

[Anonymous]

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@Anonymous wrote:

CK / CS scores are a joke and near worthless, but the report data itself is usually somewhat accurate, though limited in detail. And CS monitoring darn good for a free service. Sadly, many report getting CS alerts faster than from MyFICO. Personally, I've received CS email alerts within seconds of a HP.

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i was surprised how quick CS email me about an INQ, it took literally mins

[Anonymous]

I'm going to stay off CK for awhile. I'm gonna hang out in the garden..

[Anonymous]

I only like to look around CS & CK to pretend I'm in the 720s. Lol

[Existentialist]

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@Anonymous wrote:

Be sure to click on Credit Reports and then click view TU accounts, look at the accounts shown, and then click Credit Reports, and click view EQ accounts. Maybe one of the reports wasn't fully pulled in / glitched. Are both TU and EQ at CK showing the accounts as closed or just one?

If still unsure, log into one or both those credit card accounts directly and check available credit / status change. Or easier, simply try using one or both of the cards - if they work, they're open.

Even if CK is glitching, there may be something else going on with your credit. If you've not used your free annual report for TU and/or EQ lately, this is a good time to do so. Alternatively, if you've been denied credit in the past 60 days, save the annual reports for later, and request free ones directly from TU / EQ - search forums for instructions, since TU, in particular, is tricky.

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+1. This is the correct advice.

[takeshi74]

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@Anonymous wrote:
CK is reporting that 2 credit card accts have closed.One of My Chase accts and cap 1. Both cards are open and active PIF. Dropped my score 36 pts 😩. I know CK is not accurate but still it's hurts. What can I do here

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Directly pull your reports and verify that they're reporting that way.  If so, contact the creditors to get it corrected.

Stop worrying over your VantageScores unless you know a creditor that you use or intend to apply with uses them in credit decisions.   All scores are accurate but only for their own models.  You cannot use a score generated by one model to determine a score generated by another model.