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cv91915

According to Credit Karma

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According to Credit Karma my skores dropped 57-65 points when one of my Citi cards (limit > $50,000) reported with 45% utilization.

 

My FICO 08 didn't blink.

 

Stop citing Credit Karma, please.

 

Screen%20Shot%202015-04-17%20at%204.13.4

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My overall utilization is still "excellent," however.

 

Screen%20Shot%202015-04-17%20at%204.27.0

 

 

Credit Karma isn't so enthusiastic about the number of inquiries I have on Equifax, however, even though only two are from the past six months. One of those is from Citi from a few days ago, when they approved me for another card.

 

Screen%20Shot%202015-04-17%20at%204.28.1

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Your analysis on this means a lot as always... :good:

 

I'm pretty sure Citi approved me again because I had too many inquiries. :lol:

Edited by cv91915

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I was going to post about stuff like this as well. I use CK for the credit monitoring, but just how "accurate" are these Vantage Scores that they post? Are they actually trustworthy numbers to go by, or are they numbers that just shift in the wind on a daily basis?

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I was going to post about stuff like this as well. I use CK for the credit monitoring, but just how "accurate" are these Vantage Scores that they post? Are they actually trustworthy numbers to go by, or are they numbers that just shift in the wind on a daily basis?

Lenders use FICOs and they aren't FICOs.

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I was going to post about stuff like this as well. I use CK for the credit monitoring, but just how "accurate" are these Vantage Scores that they post? Are they actually trustworthy numbers to go by, or are they numbers that just shift in the wind on a daily basis?

Lenders use FICOs and they aren't FICOs.

 

 

Right, think of them as skores.

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According to Credit Karma my odds of being approved for a Capital One Quicksilver are fair.

 

Screen%20Shot%202015-04-18%20at%2011.56.

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According to Credit Karma my odds of being approved for a Capital One Quicksilver are fair.

 

Screen%20Shot%202015-04-18%20at%2011.56.

 

Ha, I got you beat. It says my odds at getting a credit one rewards card are very good.

Edited by TomDumb

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According to Credit Karma my odds of being approved for a Capital One Quicksilver are fair.

 

Screen%20Shot%202015-04-18%20at%2011.56.

 

Ha, I got you beat. It says my odds at getting a credit one rewards card are very good.

 

 

You win. :D

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My reported debt consists of one open collection for $351.

 

According to Credit Karma.... I should declare bankruptcy ;)

More solid advice. :lol:

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My reported debt consists of one open collection for $351.

 

According to Credit Karma.... I should declare bankruptcy ;)

Not unlike credit tracker recommending I file foreclosure to boost my skore on a perfectly fine 15 year old mortgage...

 

 

 

edit..

 

Ha! 500th post! where's the balloons?

Edited by fury1995

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My reported debt consists of one open collection for $351.

 

According to Credit Karma.... I should declare bankruptcy ;)

Not unlike credit tracker recommending I file foreclosure to boost my skore on a perfectly fine 15 year old mortgage...

 

 

 

edit..

 

Ha! 500th post! where's the balloons?

🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈

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My reported debt consists of one open collection for $351.

 

According to Credit Karma.... I should declare bankruptcy ;)

 

Not unlike credit tracker recommending I file foreclosure to boost my skore on a perfectly fine 15 year old mortgage...

 

 

 

edit..

 

Ha! 500th post! where's the balloons?

If only HL wasn't locked in Liz's crawl space we would have this moment memorialized.

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My reported debt consists of one open collection for $351.

 

According to Credit Karma.... I should declare bankruptcy ;)

Not unlike credit tracker recommending I file foreclosure to boost my skore on a perfectly fine 15 year old mortgage...

 

 

edit..

 

Ha! 500th post! where's the balloons?

If only HL wasn't locked in Liz's crawl space we would have this moment memorialized.

Lament no more, Dawg. We both know a crawl space is the best place to find what's missing.

 

fury1995%20500_zpsm5kaeoh7.jpg

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Lament no more, Dawg. We both know a crawl space is the best place to find what's missing.

 

Is that what you're referring to it as now? A crawl space?

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My reported debt consists of one open collection for $351.

 

According to Credit Karma.... I should declare bankruptcy ;)

Not unlike credit tracker recommending I file foreclosure to boost my skore on a perfectly fine 15 year old mortgage...

 

 

edit..

 

Ha! 500th post! where's the balloons?

If only HL wasn't locked in Liz's crawl space we would have this moment memorialized.

Lament no more, Dawg. We both know a crawl space is the best place to find what's missing.

 

fury1995%20500_zpsm5kaeoh7.jpg

 

 

Well, I'll be dipped...

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