submarine11

 They sent me a blank check once which I used to buy a car at Hertz Car Sales.  Never had any problems, the rate was competetive and I prepaid the loan a couple of years early, in 3 instead of 5 years.  Those blank checks were really awesome, are they still sending those out?

No Kitty811, your email server has no effect on your score. 

KK simply has used the login people used to create their KK account to make these worthless bar graphs.  Fact is, many people easily created an account on yahoo or hotmail just to be able to use it as the username when they created the KK account.  This is actually the approach recommended by most internet security experts when you first try out such services; the less personal information you provide at first, the better.

The email domains shown in these KK graphs are not representative of the main email domains that KK users actually use for most of their emails.  The high scores seen for comcast, for example, simply tells you that comcast users are too braindead to grasp the realities of identity theft and far too dim witted to be able manage more than their one and only comcast email account.  Such numbskulls have high scores, not by virtue of their mastery of finance, but rather by having stumbled into some overstaffed, overpaid government job like police officer or fireman.  These morons have nothing better to do with their time than watch comcast while the rest of the nation does the real work.

seems that with most of these CK offers, you still need a debt to limit ration below 20%, average account age of 5 yrs, no BK, score over 740. If you don't meet these four minimum requirements, your high income, good employment and payment history, and other possible positive factors are irrelevant. The ridiculous thing about CK is that it has this information and it's still handing out offers to those that don't meet the minimum requirements. Which prompts us to ask the question, why is CK making these offers to those who are unlikely to be approved?
The answer is simple, CK gets paid like most websites by having visitors click on the links the advertisers provide. Sad but true, CK is not doing what the name suggests; CK basically gives offers to everyone here regardless of the info they already have on them; in doing so it hurts more people than it helps b/c the resulting denials, hard inquiries and low credit limits that result from these "preapproved offers" only hurt scores.

He expects CK to be able to take into account his debt to limit ratio since it's calculated by CK. There's no reason why CK shouldn't consider DTLR in making its recommendations. Your telling him, "you have 2 maxed out cards, what do you expect?" Is easily answered by, I expect CK to take into account the information that it already has which includeds the 2 maxed out cc's before telling someone to apply for a credit card that will deny you for having 2 maxed out credit cards. Especially when the main reason for making BT's is maxed out cc's. Historically, BT offers were offered to those with high cc balances who needed to make the transfers. To say that he should expect to be declined for a BT offer b/c of a high cc balance is not counter to historical fact although it does reflect the current practice of some banks today that seem to have idiots managing their authorization depts.

that's funny, I have over 20 credit lines and I always get "too many" on the credit report analysis pages.

not always, but more so with Equifax