mauscoman

Decent article...to the person who wrote it, it's not totally accurate, but close - that is, in the REAL world, everyone is treated differently by all creditors, those of them who report to the credit bureaus or otherwise  - For instance...as a borrower, you must understand that YOU just may be one of many of "the innumerable groups" of folks in this country of ours, who simply can't get through life without being on any ONE (or more) of your creditor's s**t lists. Despite your exhaustive efforts, nothing seems to help you to "get ahead." Are you one of these Americans? The other of these "groups" are chock full with folks who, by the grace of your personal God (or not), just continually slide down the "banister of life" with little or no difficulty with anyone or anything, certainly notwithstanding your relationship with your credit card companies, your mortgage holders and your bank(s), etcetera. Perhaps you are one of these Americans. The point is, IN THE REAL WORLD, CIRCA 2010, the line is extremely blurred between the have's and the have-nots, and I'm not just talking about your net worth, or your financial management  behaviours. YOU ARE, indeed, in one of these groups. If you undoubtedly in the former, should the need ever arise, your SHEER ABILITY to ABSOLUTELY NEGOTIATE, TO YOUR ADVANTAGE, to the  BLOODY END with ANY ONE or with ANY COMPANY that you are indebted to (or have a STOLEN IDENTITY ISSUE WITH)...whether your communication skills are best over the telephone or IN WRITING VIA SIGNATURE CERTIFIED MAIL...that line becomes a little or a lot less blurred for you when you are able to manage control of the final outcome! Your good luck, your personality traits and certainly the personality and willingness of the one who holds the cards (in the beginning, of course) are all a part of the equation. Good things happen to bad people, bad things happen to good people...it is, indeed, credit karma for sure.  So, here's to all of us who owe some thing to some body, unfortunately on THEIR terms, which YOU, the borrower, inevitably agreed upon. Be prepared: should the need arise, always find your way to always come out on top each and every time (or most times, anyhow!).  If you can do this, consider yourself lucky by far, and know that you are amongst those of "THE HAVE'S..." See, It's not just about money anymore - it's about, but not exclusively about, THE POWER OF YOUR NEGOTIATION and without any doubt, THE SUCCESSFUL MANAGEMENT of YOUR LIFE!  (And) finally, here's to all of you who are debt-free, dependent on no one but yourself, and perhaps have discovered the key to your happiness and spiritual (or not) fulfillment!  If this describes you, please, let the rest of us in on how you have become the "master of the banister."  I'm not a pessimist, but chances are, you don't exist in our world here, particularly on this page - CREDIT KARMA folks, like us, may indeed be spotted here and there with "THE HAVE'S," but you...you with your mind, your balance sheet and your body in complete harmony with everything in life that is good, you're just not reading these comments (anymore, if ever). Ahh, yes, the benefit of doubt lies with the modern-day composer: maybe, at one time you did...perhaps twice even, or times-a-plenty. Today however, you've just not volunteered, nor have you been called upon for duty (by a higher power) to serve others here (or yourself...and justifiably so), here, in this camp of indebtedness, which was created to help folks like us, get to where folks like you are... Perhaps we will see you there one day...hopefully, much sooner than much later.

It's too complicated for me to get in to all the details here - for brevity purposes, read this: your credit score is a combo platter of the major "BIG THREE" reported scores (your FICO score varies from report to report based on the fact - one of many facts - that the company reporting gets to choose the credit bureau(s) of their choice to report to). Once these three scores are added together, the average of the three scores reveals your actual score. Also, or on the other hand, your FICO score (reflected in CREDIT KARMAS'S records) is the larger of the three scores.

This may or may not be totally accurate - my synopsis, that is. You can email CREDIT KARMA for their version of the "facts" above, or better yet, GOOGLE the words THE CLARK HOWARD SHOW, go to his website and SIGN UP for "THEE" consumer's best ally in the world of consumer credit, protection from fraudulent activity in business, etcetera. You would do well to absorb much of this family man's 30+ year consumer advocate experience, which he utilizes to host his daily radio program in many markets.