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Just checked, and CK says I have "Fair" approval odds for a Fingerhut card! I'll be right back
It also says I have "Poor" odds of getting approved for a CSP, which to be fair, is probably accurate since I definitely wouldn't be approved if I applied
I hate their approval odds thingy, it's rarely accurate and mostly all it does is cause false hope for people and generate inquiries on their reports, all for the sake of CK getting their referral bucks. It's almost downright predatory behavior.
Yes they tell me I have good approval odds for the deserve card 😂😂😂😂😂Really wow well sign me up 🙄🙄🙄
I am soooo glad hardly anyone uses Vantage scores. I would be getting AA left and right. I also love how I have poor and sometimes fair odds for all of the rebuilding cards because of my low scores. Meanwhile they hit me with this yesterday and I did a double-take.
Fair approval odds for Credit One, but they were trying to get me into a US Bank Cash+ based on... yeah, I don't know where they got those numbers.
@Jnbmom wrote:Yes they tell me I have good approval odds for the deserve card 😂😂😂😂😂Really wow well sign me up 🙄🙄🙄
That card is better than this one!
You all just not checking in often enough so CK sends a silly alert to get you back in. Then show you their advertising! 🤑
I checked in today and saw an offer for an upgrade card. Whatever that is. 🤔
@Anonymous wrote:They did the same to me. I was dancing and confused AF. Then next day, scores decreased back 🤣🤣🤣🤣🤣
Credit Karma gets a bad rep.... but really, for a free services its quite good. It is more about the credit report than the credit score. And they have a good interface for seeing your balances, limits, utilization, and when your balance was last reported. also age of accounts, any collections is all laid out nicely.
they use vantagescore. i get it, no lender uses it. but its free and you arent getting EF/TU fico scores free anywhere outside a few credit cards. And for all the flack vantagescores get, its a decent guage of your credit health, which while is not the score a lender will see, should help guide people on their journey to improve scores. Capital ones creditwise is also good in the report and guidance.
Unfortunetly there is no inexpensive non-credit card option to get all 3 ficos 8s as they update. id gladly pay myfico or someone else 10$ a month for 3B report of fico 8s. 40 bucks a month is alot especially if your rebuilding.