Authorized user

[Anonymous]

Which score?  Which bureau?  What tool did you use to pull the score?

[Anonymous]

Trans Union, and all the apps I have show it. Credit Karma, CreditWise, etc. Trans Union is who I filed the dispute with. Like I said I wasn't too sure how it was affecting my score because it was 5 years of on time payments. Now I know! The good news is that paying my 2 cc on time every month will improve my score. So will my student loans coming out of collections in September. And the only collection I have falls off in December. The bad news is I just went from fair to poor 😭

[Anonymous]

It's all a learning experience, that's for sure.

[DollyLama]

Well from what I've read, the only things now showing on your report, would be very recent two credit cards with a total limit of $600 combined. Your AAoA is very low, not enough time to establish a credit and paying history. As it ages and timely payments, possibly in 6 months down the road they will hopefully increase your line of credit. Or your scores can and only can go up from here. As they raise you might qualify for a better rate card, with some research if they are issuers that raise a TL. You could also do the SSL posted on the forums and get a score boost having an installment loan in your FICO credit mix. 

[Anonymous]

The scores you get from Karma are not FICO scores (as I mentioned in one of my earlier responses to you).  Karma (and many other sites that provide free scores) use a model called Vantage Score.  The reaction of Vantage Score to the AU account being deleted might very well be the opposite to a model like FICO 8.  Since most lenders and CC issuers use FICO and not Vantage, what your Vantage score did is not important.  What matters is what your FICO score did.

I believe you said earlier that, in addition to Karma, you are getting a free report (and possibly score) from a tool that uses Experian data.  You also said that the Experian-based tool showed your utilization (with the AU card) as 100%.  

Can you tell us what you are using to look at at your Experian data?  Does that tool give you a report?  A score?  If you are getting a score, it might well be a true FICO score.

[Anonymous]

Yes I am using the Experian app which gives only a report, not a score. I will check back in if I decide to pay for a fico 8 score to update on whether or not it lowered that score. Thanks for all the input.

[Anonymous]

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@Anonymous wrote:
Yes I am using the Experian app which gives only a report, not a score. I will check back in if I decide to pay for a fico 8 score to update on whether or not it lowered that score. Thanks for all the input.

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You can sign up for credit check total for $1 trial period for all 3 FICO 8 scores.  Just make sure to cancel before the trial is up.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Yes I am using the Experian app which gives only a report, not a score. I will check back in if I decide to pay for a fico 8 score to update on whether or not it lowered that score. Thanks for all the input.

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You can sign up for credit check total for $1 trial period for all 3 FICO 8 scores.  Just make sure to cancel before the trial is up.

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Great advice from lowkeyorca.

I think it would benefit you a lot to begin getting true FICO 8 scores.  While CCT is an awesome way to do that, I am unsure how getting a FICO 8 now or down the road will enable you to tell whether the AU deletion caused your FICO 8 score to rise or drop.  To do that, I think you'd need FICO 8 scores from before you had the AU account deleted.  As far as I can tell, you had no FICO scores at all prior to the deletion -- just Vantage scores.