tonaoma

Yeah most people have a difficult time with a company when they don't get exactly what they want. Add a little bit of personal frustration and lack of understanding in any communication between two parties and you're gonna have a dissatisfied customer (and a customer service rep that doesn't like their job much).

i think 500 is just the standard starting point regardless. this is not really the type of card best for you if your score is over 700.

too expensive and not designed for you level of credit.

sometimes they like to verify employment or other information you provide. They also may wait to recheck your report (soft inquiry) to see if you've been applying all over the place at the same time. prevents people from applying for thousands of dollars of credit all at once.

yeah in my experience credit companies are more willing to take a chance with someone who has a low credit score due to other issues. for example the 516 could have 20 years of credit history, but is currently very low because they were late quite a bit a couple of months ago but now current, or maybe they had several older charge-offs but non recently, maybe they have seriously high debt ratio, but with strong income and good payment history... there can be a million reasons. That's why they don't just flat out say you'll be approved with a 516. It just simply DEPENDS on each individual application.

Newbies already starting off with a low score and maybe not a strong income are the worst risks for CC companies. newbies with decent scores are diamonds in the rough. You're kinda starting off as a lump of coal.

Can't you folks get a .. oops first let me say you guys provide an innovative and useful service. It's rare that someone comes up with an idea that is so mutually beneficial in this arena.

I like your service.

okay back to.. ..can't you guys get the credit card companies to provide a general idea the the credit strength you need to be within the qualifying range? I can image there are a lot of complications to getting them to agree to put this type of information on your site (you have plenty of disclaimers, but us Americans love to whine about how stupid and lazy we are use that as our excuse for not knowing anything.. like clearly posted disclaimers.. but I digress). However, if you could provide this type of information for all the cards offered here, I'm sure we'd feel a bit more comfortable in applying for the right cards for us.

Thanks and keep educating consumers about their credit. OUR IRRESPONSIBLE CULTURE NEEDS ALL THE HELP WE CAN GET ! ! !

yeah dude you're kinda an idiot. what's the point of having CreditKarma if you don't listen to what they say.

They clearly say all over the place that average age of credit accounts are important and closing old accounts will reduce this average AND your SCORE! AND they even have it in their credit simulator... i think the only thing fishy here is that you sign up for a service specifically geared to help you manage your credit score and you toss all the advice aside just so you can get what you feel is a coveted "hard to get" card.

maybe they don't use TransUnion for their scoring or use other factors such as BK score..