434 People Helped
Member Since: July 2012
I believe I'm the odd man out for I have a C for my total credit utilization yet have a score of 790 on Credit Karma, the other 2 companies have me in the 800+range which says the system is flawed. If I won 10M from the powerball my score wouldn't change, even though I would be better off, I'm better off now because I have no debt, yet partially penalized, but I don't worry about my FICO score, because I'm able to use cash.
i think credit karma is 100% fantastic I live it and recommend to my friends because it can help a credit challenged person
517237's response was:
I only have 5 cards, nothing much. When I use one I always PIF before the due date, now it does negatively affect my credit score because it shows I have little used debt, compared to available debt, but that's ok, I sleep better, knowing I owe no one
Ever since I signed up I've been aggressively working towards improving my FICO score, but I have bad marks towards the total number off accounts, but pluses for the length of time 14years, I have several closed that will drop off this month. I hope this will help some, I can't get to 750.
Harold wish we could all be like you