Credit Karma

[mikey78]

They are based off my TU report right??
my score from it dropped 20 points and they have N/A for my credit utilization lol it used to be based off 1 BofA 500 Cl (closed)

even their best credit card offers approval odds now says n/a hehe

boy i can't wait till i get my TU report to see what they have and what they don't have on my report -.-

[azguy13]

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@mikey78 wrote:

They are based off my TU report right??
my score from it dropped 20 points and they have N/A for my credit utilization lol it used to be based off 1 BofA 500 Cl (closed)

even their best credit card offers approval odds now says n/a hehe

boy i can't wait till i get my TU report to see what they have and what they don't have on my report -.-

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Yes, Creditkarma uses TU info. I don't pay attention to their score at all though. My CreditKarma score is about 60 points less than my TU FICO. 

Basically, I use their site to compare cards, thats it. 

[mikey78]

yeah but TU from my pov seems to have only my bofa credit card to base my TL and reports

I called TU and they said they will send me my copy of the report so i can compare reports and dispute
and she said from what she sees i have more then 1 accounts It's already been a week and can't remmeber if it's 5 to 7 business days or 7 to 10 for me to get my letter

[pizzadude]

Moving to understanding FICO scoring.

[kogama]

They take the score but use their own scoring system, I have a friend who has a score on CK that is 60 points lower than one on credit.com, my actual scores are much higher as well than CK scores

[Shogun]

CK does not factor in closed accounts.