517237

4 Contributions 418 People Helped

Member Since: July 2012

Most Helpful Contribution

The Relationship Between Your Credit Score and Credit Card Utilization Rate

Dec 13, 2014
Helpful to 344 out of 386 people

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

Activity (4 Total Contributions)

The Relationship Between Your Credit Score and Credit Card Utilization Rate

Dec 13, 2014
Helpful to 344 out of 386 people

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

How Quickly Should I Pay Off My Credit Cards?

Dec 13, 2014
Helpful to 70 out of 84 people

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

The do’s and don’ts of closing old accounts

Dec 31, 2012
Helpful to 2 out of 3 people

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.

How Quickly Should I Pay Off My Credit Cards?

Dec 13, 2014
Helpful to 2 out of 5 people

Harold wish we could all be like you