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I know they use VantageScore to determine which cards you are most likely to qualify for instead of using the real FICO score. Please share your opinions.
It's all marketing. They don't recommend anything based on any specifics in your report. Experian does the same thing with the FICO score they provide. Just marketing.
@GrayStar wrote:I know they use VantageScore to determine which cards you are most likely to qualify for instead of using the real FICO score. Please share your opinions.
NOPE .............................. it's all marketing
Well there is one thing, certain cards, like OLLO, you need to be invited for. The only way around it is if it's offered through credit karma or Experian.
My personal opinion, no.
Although there's been some reported successes, albeit very limited, you're better off using a lender's portal for a variety of pre-qualified offers. Sites such as those from HSBC, Discover, AmEx, Chase, BBVA, BB&T, Citi, PNC, Capital One, Petal, etc., would be more reliable than CK.
@GrayStar Personally, I admire CK for what they provide free weekly Vantage scores for Transunion and Equifax. It's incredibly helpful for basic monitoring and everything is explained in a very understandable way. No doubt tons of people use it, which is better than not monitoring your credit at all.
The recommendations are marketing as mentioned above, and the scores are vantage so not especially helpful.
Outside of that, I use their services and would encourage others to do so with the caveat that one goes in knowing those scores are not true FICO scores and can vary widely from actual scores.
@Brian_Earl_Spilner wrote:It's all marketing. They don't recommend anything based on any specifics in your report. Experian does the same thing with the FICO score they provide. Just marketing.
My favorite thing about Experian's "Credit Match" is all the starter and rebuilder cards it recommends to me. Super targeted marketing, guys.
@Slabenstein wrote:
@Brian_Earl_Spilner wrote:It's all marketing. They don't recommend anything based on any specifics in your report. Experian does the same thing with the FICO score they provide. Just marketing.
My favorite thing about Experian's "Credit Match" is all the starter and rebuilder cards it recommends to me. Super targeted marketing, guys.
Really? Darn. I was hoping my "recommended/pre-approved" cards would improve as my score/profile improved.
It's a useful tool for checking on accounts, inquiries, AAoA, etc., but I wouldn't trust CK's recommendations as far as applying for cards.