Credit Karma Simulator Tool

A place to discuss anything... except credit cards!
6 posts
Square Obsidian
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Location: U.S.

Credit Karma Simulator Tool

Postby Square Obsidian » Sun Feb 17, 2013 11:25 pm

Does it seem to be working for anyone? When I use it it just seems to refresh the page. Nothing changes. Even if I pick every positive, choose every negative, or even try every other option, mixing the good in with the bad. I can't seem to get any results at all. Has anyone had any recent success?
Amex BCE $12,000 5/17
Chase Freedom $3,700 5/17
Discover it $1,250 5/17
CO QuickSilver $1,250 5/17


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djrez4
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Postby djrez4 » Mon Feb 18, 2013 12:01 am

It used to work for me. Recently, it's been janky. Nothing makes it go up and even the most negative or negatives only makes it drop about 10 points.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

Bksuper
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Location: California

Postby Bksuper » Mon Feb 18, 2013 11:18 am

Similar experience here.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

MemberSince99
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Postby MemberSince99 » Mon Feb 18, 2013 4:52 pm

Just an FYI but I would put VERY little stock into any score or grade coming from CK. The score they give me has always been between 25 to 70 points lower than my TU FICO, and inquiries affect that score for the full two years for example as one difference (FICO is only affected for one year). It's a good way to check your TU credit on the cheap for fraud every day, can't beat the price, but just don't read into what they tell you. Another shining example of their terrible advice is because I carry low balances on my cards, I get a "C" for that, apparently as opposed to going nuts and running up the balances which would give me a higher grade. And they rate me a "poor" auto insurance risk, despite the fact I haven't had a ticket, accident or cliam since 1988 with the scores listed in my signature as far as credit. If that's "poor" what pray tell must one do to get "fair"?

So just take their advice for what it's worth, which is about what you pay for it.....

Square Obsidian
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Location: U.S.

Postby Square Obsidian » Tue Feb 19, 2013 12:52 am

MemberSince99 wrote:Just an FYI but I would put VERY little stock into any score or grade coming from CK. The score they give me has always been between 25 to 70 points lower than my TU FICO, and inquiries affect that score for the full two years for example as one difference (FICO is only affected for one year). It's a good way to check your TU credit on the cheap for fraud every day, can't beat the price, but just don't read into what they tell you. Another shining example of their terrible advice is because I carry low balances on my cards, I get a "C" for that, apparently as opposed to going nuts and running up the balances which would give me a higher grade. And they rate me a "poor" auto insurance risk, despite the fact I haven't had a ticket, accident or cliam since 1988 with the scores listed in my signature as far as credit. If that's "poor" what pray tell must one do to get "fair"?

So just take their advice for what it's worth, which is about what you pay for it.....

Thanks for the advice. I signed up for credit karma and sesame for the easy monitoring you speak of. (Picked them up after reading about them here, actually.) But advice is what I need. If you have a moment, I asked a couple questions in my discover it thread. Because like I said, advice is what I need.
Amex BCE $12,000 5/17
Chase Freedom $3,700 5/17
Discover it $1,250 5/17
CO QuickSilver $1,250 5/17

Dylan1982
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Location: Chicago

Postby Dylan1982 » Sat Feb 23, 2013 11:16 am

That tool hasn't worked for like 6 months it seems. As one stated, it used to work....
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)



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