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What you talking bout Credit Karma

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Regular Contributor

What you talking bout Credit Karma

SO I have been doing the goodwill letter thing again. Trying to get some more baddies off of my report. I wrote to some of my account holders asking for the late payments to be forgiving. Today I received a email from Credit Karma saying that 9 late payment have fallen off of my report?!?!? That's ALL of my late's?!?!?!Smiley Happy No change to my FICO score. Not sure what to make of this. I'm excited but I want to see it on my report first. What are the odds everyone said OK? Very curious to see what happens now.  

Message 1 of 12
11 REPLIES 11
Established Contributor

Re: What you talking bout Credit Karma

I would say chances of winning the lottery type odds, what sort of lates were they and how old?





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 2 of 12
Regular Contributor

Re: What you talking bout Credit Karma

Amazon Store Card:  2/30 day late,  1/60 day late.    Last late payment August 2016

Capital One: 3/30 day late,  3/60 day late.      Last late payment March 2018 

 

Message 3 of 12
Regular Contributor

Re: What you talking bout Credit Karma

As I was written that I thought about everyone who I sent a good will letter to. I have 3 charge off's that I sent letters to as will. It could be one of them that removed their account from my TL? Which might be even better to get a CO removed. We'll see if credit karma is truthful here shortly I guess?

Message 4 of 12
Regular Contributor

Re: What you talking bout Credit Karma

CK said I had 0 late payments when my Fico was showing 4, so definitely wait for Fico to update







Message 5 of 12
Frequent Contributor

Re: What you talking bout Credit Karma

The only information that Credit Karma has is what is they pull from the credit reporting agencies. It is not a matter of whether or not they are being "truthful". They can only report on information that they have....Credit Karma has zero control as to whether late payments fall of of your credit reports or not...

Message 6 of 12
Regular Contributor

Re: What you talking bout Credit Karma

I meant truthful as in don't get my hopes up. But I'll take either.

Message 7 of 12
Senior Contributor

Re: What you talking bout Credit Karma

CK's score may suck. But at times they beat the FICO world. So here hoping for success. But the creditors may have placed a dispute and the CRA's will remove those disputed items until the investigation is over. And then they pop back up. So its a see saw situation. The thrill of victory or the agony of defeat. Good Luck!





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 8 of 12
Frequent Contributor

Re: What you talking bout Credit Karma

Many MF'ers would love to hear from someone who successfully had them remove late payments. So... while I'm incredulous that it happened, I'm crossing my fingers for you!

 

If Capital One did remove the lates, pleae PM me the addresses you sent to because maybe you found a winning one!


Message 9 of 12
Established Contributor

Re: What you talking bout Credit Karma

I really hope that all of your lates have been wiped, that would be an amazing win for us average types. Please update this thread when you find out for sure.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 10 of 12
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