CREDITKARMA BS!

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nismoZtuner
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CREDITKARMA BS!

Postby nismoZtuner » Sat Apr 12, 2014 2:24 pm

Last month I applied for the CSP and was given a $5800 limit.. ;)

Well after few weeks of not checking my Credit Karma score this is what happens..

I know CreditK is BS but wow.. :beat:

Image

I should be getting my score from Discover within a few days (usually on the 13) and I want to see how much my score dropped on that one..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22


swipe_masta
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Postby swipe_masta » Sat Apr 12, 2014 3:01 pm

I'm sorry, what does that say? -62 pts? piffff... Shrug it off lol. I know a lot of people think CK score it far from the truth, but I think I am in the extreme minority when it comes to proportionate scoring, cause my CK score is only give or take 10-15 pts different from my actual score. I compare CK with Discover too and it's not drastically (depending on your definition of drastic) different. I mainly use CK for the purposes of keeping tabs on my credit reporting than actual scores.

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nismoZtuner
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Postby nismoZtuner » Sat Apr 12, 2014 3:34 pm

swipe_masta wrote:I'm sorry, what does that say? -62 pts? piffff... Shrug it off lol. I know a lot of people think CK score it far from the truth, but I think I am in the extreme minority when it comes to proportionate scoring, cause my CK score is only give or take 10-15 pts different from my actual score. I compare CK with Discover too and it's not drastically (depending on your definition of drastic) different. I mainly use CK for the purposes of keeping tabs on my credit reporting than actual scores.


Its a -52 points drop!

yeah I`m not that mad yet- just need to wait for that discover statement to get posted in my account. I had a 746 on my last statement ** I will be okay with anything within a -10 point drop
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

MemberSince99
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Postby MemberSince99 » Sat Apr 12, 2014 4:39 pm

Since you know it's BS and useless why do you even care? It's much lower than my TU FICO but no lender uses it so who cares? I mean I don't care if CK says my score is 350 - it's absolutely meaningless.


All it's any good for is a free way to track what's on your TU report. The score is worthless and much of the advice is less than worthless (bad). Why sweat it?

darkguy2
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Postby darkguy2 » Sat Apr 12, 2014 10:33 pm

Discover actually checks your score at the end of the month. You can look it up on the website without looking at your statement. It is in the "Manage Account" tab. At least they checked mine a week before my statement posted.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

Vandalized2
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Postby Vandalized2 » Sun Apr 13, 2014 6:39 pm

I just take it with a grain of salt. As many people on here say YMMV. I just figure its within 25 points of my true FICO score and I am at peace with that. Its just fun to get an estimate on where you are at.

swipe_masta
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Postby swipe_masta » Mon Apr 14, 2014 8:01 am

MemberSince99 wrote:Since you know it's BS and useless why do you even care? It's much lower than my TU FICO but no lender uses it so who cares? I mean I don't care if CK says my score is 350 - it's absolutely meaningless.


All it's any good for is a free way to track what's on your TU report. The score is worthless and much of the advice is less than worthless (bad). Why sweat it?


Now, now Member, you of all people should know that people want to be able to vent sometimes.

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nismoZtuner
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Postby nismoZtuner » Mon Apr 14, 2014 2:05 pm

swipe_masta wrote:Now, now Member, you of all people should know that people want to be able to vent sometimes.


Yeah, exactly
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

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nismoZtuner
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Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Mon Apr 14, 2014 2:06 pm

darkguy2 wrote:Discover actually checks your score at the end of the month. You can look it up on the website without looking at your statement. It is in the "Manage Account" tab. At least they checked mine a week before my statement posted.


I will have to check that- thanks!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22



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