Okay ... so I know Credit Karma gives a FAKO, but I signed up for it because it is free and I thought it would be a good indicator if there were any changes on my TU report. According to CK, my FAKO is 553. I usually go in daily to update it. There has not been a change since April 15th, so I doubt it is really updating given that I've made on time car payments and on time credit card payments since then.
Today, I received this alert from CK:
"Your account with Account information disputed by consumer, meets FCRA requirements has been listed as delinquent. Your payment status is listed as Collection/Chargeoff".
Like anyone making progress on fixing past credit problems, this was a huge shock to me. It was also very confusing. I have not received any dunning notices for anything new. In fact, I've tried to be very proactive in fixing old mistakes. I've managed to get a CA to agree to a PFD (that I've already sent in a payment for) and I sent in a letter to TU for a tax lien from 2003 that shows open, but was paid later that same year. There haven't been any other negative alerts from my ScoreWatch through MyFico. In fact, I recently got a 9 point bump in my score on 6/2!
I called TU about the alert I saw on CK. I specifically asked if there were any new collection accounts showing on my report. He verified the 2 I already know about (including the PFD that has not yet been deleted). He did not see anything new and offered to send a copy of my report to me.
So, I went into look at the CK alert again and noticed that there is an ad for a credit repair service directly below the alert with a link. When I clicked on the link, it brought me to Lexington Law. I know CK is heavy with ads and that is why it is free. So do you think the alert was a trick to get me to sign up for Lexington Law?
I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
