sandykid20

Checking your Credit Karma does not affect your score, it is considered a 'soft inquiry' and they do not affect it. I check mine daily and my score goes up. There is something else going on. I would pull all 3 reports and compare.

That is true. You may want to pull his credit just to make sure it's showing

This is something that you would need to contact Transunion about, not CreditKarma. This site is only used to provide a score based on the information in your Transunion report. I would also contact Citi about them not reporting a credit limit to the agencies.

Your score changes often. The drop could be due to a number of things. Using your credit cards, applying for credit, opening new accounts. It is quite normal for your score to go up and down a few points. Certain aspects of your credit are sensetive, one being credit card usage. A balance increase on a card can certainly affect a score 10 points.

There's not. He is wrong. A 'soft inquiry' is an inquiry done by you, or an already established account "checking up on you", these do not impact your score. His inquiry is considered a 'hard inquiry' which does impact your score since it was due to refinancing. Unfortunately, there is nothing you can do to reverse the inquiry, I would probably let him or his boss know that he misinfomed you, though so that it does not happen to anyone else. He may not understand what he is doing regarding credit pulling.

Check the "my credit" tab. It will show changes to your Transunion report such as a new account, late payments, etc. You may have used a credit card or applied for credit which put an inquiry on your report which can lower your score.

You should get a letter from who you spoke with. They did not properly note your account so when they verified the past due, it was still showing 30 days.

You should check into that. Usually, mortgage and auto inquiries made within a time frame close to eachother only count as 1 hard inquiry. I would contact the other 2 firms to see what the inquiry was pertaining to.

Debit cards do not count on your credit report. There are no repayment terms involved. The same reason why checks are not reported, unless you bounce them like a rubber ball.

Careful about closing that Capital One card... it will affect your credit score if you've had it open for a while.

They already do. Annualcreditreport.com does not require you to sign up for a 'trial' of anything. You should not need to check your report more than once a year unless you are having major issues, in which case they are still free. If you are ever denied credit, you are entitled a free copy of the report in which was used to deny you. It is free.. You just need to know the rules and how to get them.

Where did you get 80%? I would disagree. Over the past 2 years I have had most pull my Experian report. It depends on what kind of loan you're getting. FICO is mostly used with mortgages and auto loans, but with credit cards the chances are less than 80%

You may have to wait a while.. Bankruptcy can stay on your report up to 10 years. It all depends on the lender, and your score. These days, you really need a clean report in order to get qualified.

You can visit your bank or credit union and get 'pre-approved' for a specific amount. Otherwise, you can go to the dealer and get a car you want and they will run your credit and present it to a number of lenders to see who will accept it. Note, multiple inquiries within a few weeks of eachother from different auto lenders will only count as 1 inquiry.

They used Equifax for mine.. not Transunion.

APPROVED $2000 limit 0% intro APR for 7 mo. They did not use TransUnion, they pulled my Experian report (687). Very satisfied. They even called me when I got my card to weclome me. The only bad thing is, default ARP is 29.99%. DO NOT MISS A PAYMENT on this credit card!

Only if you qualify for the 0% intro APR. Be sure to read the agreement carefully. Also, be sure to pay off the transfer before the intro period ends or you will be in the same situation, just a different boat.

Your score of 723 is great.. but they may have checked Experian, or Equifax which may hold a different score. You should pull your credit reports on those 2 sites and see what is going on with those.

It is a poor score, I would pull your credit reports free at www.annualcreditreport.com. You will want to clear up any collections, and pay down any high balances. If your issue not enough credit, perhaps applying for 1 or 2 department store or gas cards as they are easier to get approved for and managing them well.

to SAVORY: It is possible.. but not sure. You already have such a high score, I dont think it would bring up your score. In the case of someone who has a low score, it would because it opens up more credit and the debt to ratio goes down. Thus, bumping up the score. my advice is to not activate those cards. your interest rate will not be any lower with a score of 800 vs your score of 772