Author Topic: CreditKarma.com - Free Credit Score (FAKO) (Read 92743 times)

ChaimMoskowitz · « **Reply #300 on:** August 26, 2015, 04:03:44 PM »

Quote from: noturbizniss on August 26, 2015, 03:54:34 PM

146 accounts removed from exp between myself and my wife, 14 updated. whatever that means...

What about TU and EQ? What happen with your score when all those were added?

noturbizniss · « **Reply #301 on:** August 26, 2015, 04:58:22 PM »

Quote from: ChaimMoskowitz on August 26, 2015, 04:03:44 PM

What about TU and EQ? What happen with your score when all those were added?

Now that you mention it, they didn't change much based on barclays (top) and citi (middle), and Barclay's for my wife (bottom). For comparison I put the CK TU and EQ scores next to to Fico. My wife's CK TU went from 824 in November to 718 in July. Clearly the CK numbers have no correlation to real FICO and are all over the place.
I only see my Fico score from April of 800, and my wife's was 761 in July and is 755 now. What concerned me was that the AAOA was down to 2 years or less. The new accounts were added between November 2014 and May 2015. Perhaps it's all ado about nothing...

Quote from: TimT on August 26, 2015, 03:57:29 PM

Any way to make sure the next batch doesn't make it on to your CR or are you gonna do this all over again ?

I figured I would see if I could clear them off before I decided to add more. Now that I see it's possible I started adding more AU's.
As I mentioned above, despite the AAOA going down, it does not seem to have really impacted the score much.

ETA: Added better Charts showing the CK numbers...

TimT · « **Reply #302 on:** August 26, 2015, 05:02:50 PM »

Quote from: noturbizniss on August 26, 2015, 04:58:22 PM

I figured I would see if I could clear them off before I decided to add more. Now that I see it's possible I started adding more AU's.
As I mentioned above, despite the AAOA going down, it does not seem to have really impacted the score much.

Now is the time to get your chase cards.

noturbizniss · « **Reply #303 on:** August 26, 2015, 05:07:29 PM »

Quote from: TimT on August 26, 2015, 05:02:50 PM

Now is the time to get your chase cards.

I still have a bunch of inquiries from Mar 14 and and november 14. I also anticipate going for a mortgage within the next 1-2 years so I don't want any new inquiries. I would like to have no inquiries less than 1 year old by the time I go to apply.

popcorn1508 · « **Reply #304 on:** September 16, 2015, 10:04:15 PM »

Quote from: noturbizniss on August 26, 2015, 02:23:09 PM

In July i disputed all the Amex AU accounts on my TU report and my wife's TU report, and successfully had almost all of them removed. Since then, for some reason Credit Karma is unable to pull my report or my wife's report from TU. I just signed up at lending tree and got no info there either. 2 weeks ago i signed up for the free $1 trial directly from TU and also saw no data whatsoever. I called TU support and the rep did see my report and had no issues whatsoever with it. He even mailed me a copy of both my report and my wife's.
Anybody ever have this or have any idea why this is happening?

I have the se thing.

noturbizniss · « **Reply #305 on:** September 16, 2015, 10:13:50 PM »

Quote from: popcorn1508 on September 16, 2015, 10:04:15 PM

I have the se thing.

Credit sesame is same thing and Amex won't give me my fico score. They give my wife's for now. I've confirmed my cr are all a ok with the actual bureaus though. Very strange

elimmm · « **Reply #306 on:** June 15, 2016, 04:54:23 PM »

anyone still use this? any new threads on credit karma?

TimT · « **Reply #307 on:** June 15, 2016, 04:57:28 PM »

Quote from: elimmm on June 15, 2016, 04:54:23 PM

anyone still use this? any new threads on credit karma?

What do you want it for ?

elimmm · « **Reply #308 on:** June 15, 2016, 06:06:10 PM »

from descript, it seems easier than sifting thru the free annual CRs i got in the mail
i wanna know till when i am 5/24ed

Alexsei · « **Reply #309 on:** January 30, 2017, 10:48:47 AM »

Anyone had this? what does it mean? it is a regular card

US · « **Reply #310 on:** January 19, 2018, 10:31:02 AM »

New! free monitoring from CK

"When your personal info is exposed in a data breach, identity thieves can hack your accounts and open credit cards in your name — putting your finances and credit scores at risk.

That’s why we launched free ID monitoring. We’ll keep a close eye on your info and alert you when it turns up in another company’s public data breach. We’re on team....

We haven’t found your info in any breaches yet, but we’ll keep an eye out for you. Head to Credit Karma to learn more."

Fat albert · « **Reply #311 on:** February 26, 2018, 08:50:59 AM »

Credit karma showed me 4/24. Applied for chase card got declined for to many cards... I Checked credit report and it showed 6/24. Any explanation or just a mistake by ck

davidrotts63 · « **Reply #312 on:** February 26, 2018, 08:52:58 AM »

Quote from: Fat albert on February 26, 2018, 08:50:59 AM

Credit karma showed me 4/24. Applied for chase card got declined for to many cards... I Checked credit report and it showed 6/24. Any explanation or just a mistake by ck

Which CB did Chase pull? Likely EX which CK doesn't show, did you compare them, which is correct?

Dan · « **Reply #313 on:** February 26, 2018, 08:55:05 AM »

Fat albert · « **Reply #314 on:** February 26, 2018, 09:08:10 AM »

Experian but i thought ck shows ALL accounts

davidrotts63 · « **Reply #315 on:** February 26, 2018, 09:10:09 AM »

Quote from: Fat albert on February 26, 2018, 09:08:10 AM

Experian but i thought ck shows ALL accounts

CK shows TU and EQ, for EX you can get the EX app for free.
Anyway, what were those cards on the report that you didn't see, AU's?
Because if yes, you can call recon and have them ignore them.

Fat albert · « **Reply #316 on:** February 26, 2018, 09:16:13 AM »

Not aus. Amex plat and mb plat.spg and csp csr show and those r all experian no?

davidrotts63 · « **Reply #317 on:** February 26, 2018, 09:18:14 AM »

Quote from: Fat albert on February 26, 2018, 09:16:13 AM

Not aus. Amex plat and mb plat.spg and csp csr show and those r all experian no?

All cards report to all bureaus, do you know why only 4 if them are reported in TU/EQ?

Fat albert · « **Reply #318 on:** February 26, 2018, 09:19:23 AM »

Nope thats my question

davidrotts63 · « **Reply #319 on:** February 26, 2018, 09:21:32 AM »

Quote from: Fat albert on February 26, 2018, 09:19:23 AM

Nope thats my question

First check on CK what's reporting.
Maybe it's the same, just on the CK reports they are reported from an earlier date?