According to Credit Karma

[cv91915]

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.

 

[cv91915]

My overall utilization is still "excellent," however.

 

 

 

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.

 

[nateinva]

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

[cv91915]

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

 

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

Edited April 17, 2015 by cv91915

[nateinva]

Absolutely!

[AnnMichele]

I love you CV

 

[cv91915]

I love you CV

 

 

It's the inquiries, isn't it?

[AnnMichele]

 

I love you CV

 

 

It's the inquiries, isn't it?

 

That and strudel.

[cv91915]

According to Credit Karma I have over $28,000 in credit card debt.

 

[mrjuggalo9er]

According to Credit Karma I have over $28,000 in credit card debt.

 

Higher utilization and score will improve

[GR8WhiTE]

The commercials get me. I want to team up with the guy that says "donotgotocreditkarmadotcom.com"

 

https://www.youtube.com/watch?v=0jVdrs9P1IM

[JaNelson38]

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?

[mendelssohn]

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.

[cv91915]

 

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.

[cv91915]

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

 

[TomDumb]

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

 

 

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

Edited April 18, 2015 by TomDumb

[cv91915]

 

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

 

 

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

 

 

You win.

[kimbachelle]

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

 

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

[cv91915]

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

 

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

More solid advice.

[fury1995]

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 April 19, 2015 by fury1995

[parisamour]

 

 

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?

🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈

[cv91915]

 

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.

[HoustonLynne]

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.

 

[Konrad2012]

 

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?

[cv91915]

 

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.

 

 

 

Well, I'll be dipped...