@DIYcredit wrote:Hi, I could'nt believe it last week when I went to Credit Karma and the credit score said 650.I'v been a steady 630 for about a year.So,after that shock I went to Capital One cc website last week and it said 630.This week I checked Credit Karma and it's still 650.I checked Capital One it's updated to my surprise 650.Last year when I started my credit repair I paid for a Myfico TransUnion credit score and it was 630.The same as Credit Karma 630 back then.I know CK and CO are for the most part facos and great for monitoring.I have had no significant changes in my credit.The only things I am focused on is paying down debt,never being late and new positive credit.I can only imagine that this dramatic increase could increase real points onto my real Myfico credit score.I don't plan on paying for the Myfico cs until next year sometime,but I am happy for the improvement.I still have a long way to go.I just want pass along the good news.
DIYcredit
Grats on the increase, remember those scores (CK & Cap-1) are the same Fako and are not representative of your true Fico scores. Paying down your utilization on each card and overall is going to be raising your Fico and you most likely will see no movement on those Fakos. That CK score BTW is the TU New Accounts model and no lender uses it to approve credit. Keep up the good work 
Keep it up. You're going in the right direction. Congrats
NFCU Visa 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k |
Great news, and who cares if it's a FAKO, it's a morale booster. I posted this awhile ago and maybe it'll help someone who is focusing on the points and not the journey. Enjoy: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/For-all-those-rebuilding-don-t-sweat-the-poin...
