- Green Member
- Posts: 7
- Joined: Fri Aug 16, 2013 9:22 pm
- Location: USA
I have bad debt in the past (10+ years ago). In July I applied for a Chase Freedom (I bank with Chase) and was approved, $1000 limit. Following the advice I got in my first post here, I have kept utilization under 20% (ranging from 20% highest reported utilization to 3% lowest over the past 4 months), have paid in full on time each month, etc.
Credit Karma, which I understand to be a "FAKO" score based on TransUnion, is currently 728. Credit Sesame, however, has consistently shown a "Very Poor" credit rating based on not enough information/too thin of a file to generate a credit score. Credit.com is the same thing---no credit profile available.
My question: does this mean that the Freedom is not reporting to Experian (and possibly also Equifax; who knows)? And why does Credit Sesame show my "total debt" to be $62, which was my reported balance from back in September, when it claims to update more frequently than that? Since September, I have had a $72 and a $28 balance report. What gives? I can't find any explanations on their site.
Thanks in advance!