2,949 Contributions 5,311 People Helped Credit Karma Team Top Contributor

Member Since: December 2012

About Me: I'm the Credit Karma Community Manager. I love teaching our members about building credit and how the credit scoring system works.

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Most Helpful Contribution

What Is VantageScore 3.0?

Dec 04, 2014
Helpful to 858 out of 1173 people

Hi Aviator20202,  Thanks for posting. Our previous score model was not a FICO score. It is true that FICO is the most widely known score provider on the market, and often used by lenders. We provide the VantageScore 3.0 which is also used in lending decisions by major banks. One of Credit Karma’s primary goals is to bring transparency to this confusing industry. There are dozens of credit scores out there provided by different sources. FICO is one brand of score, and even FICO has more than 50 different scores. The score that consumers see is never the same as what banks see when making a lending decision. VantageScore 3.0 is a collaboration between all 3 major credit bureaus and we believe these scores, combined with our weekly free credit report and free credit monitoring, will be useful to consumers. 

Activity (2949 Total Contributions)

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How Quickly Should I Pay Off My Credit Cards?

May 04, 2015
Helpful to 262 out of 271 people

Thanks for sharing your story! You've made a lot of progress and should be proud. 

Quick Tips for Improving Your Credit Health

Nov 11, 2015
Helpful to 169 out of 178 people

Thanks for posting! We appreciate your insight. 

who is CB/vicscrt

Oct 16, 2014
Helpful to 23 out of 23 people

That is an abbreviation for a Victoria's Secret retail credit card.

How Many Credit Accounts Should I Have?

Mar 13, 2015
Helpful to 167 out of 188 people

Hi Chokaho,

Thanks for reading. To be clear, a low to moderate credit card utilization rate is beneficial (always under 30%), but you do not need to pay any interest to have a great score. You can pay off your account in full each month and watch your score rise, too. It's a common misconception that we like to clear up!

When somebody runs your credit how long does it stay on your report for

Aug 26, 2015
Helpful to 33 out of 35 people

Hard inquiries stay on your credit report for 2 years. 

The Relationship Between Your Credit Score and Credit Card Utilization Rate

Apr 06, 2015
Helpful to 14 out of 14 people

Hi Salvo007,

Credit Karma does not calculate your credit score, so we don't have insight into the fluctuations of your score. However, please keep in mind that utilization has no "memory", if you pay down your cards to a more moderate level, you should see your score rise. 

Can I ever get rid of bad public records. 4 dismissed chapter 13 bankruptcy attempts

Dec 22, 2014
Helpful to 51 out of 57 people

Public records generally remain on your report for seven years. They fall off on their own after that time frame. 

Why is my account reported as closed?

Jan 02, 2015
Helpful to 12 out of 12 people

Hi buck2010, 

Your new Discover account should be backdated to reflect the original opening date of 1985. However, this could take a billing cycle or two to be reflected on your credit report. I'd contact Discover directly to be sure they will merge the new account with your existing history. 

Keeping Your Credit Cards Active

Mar 30, 2015
Helpful to 89 out of 102 people

Thanks for sharing your experiences. 

How Many Credit Accounts Should I Have?

Apr 10, 2015
Helpful to 18 out of 19 people

Hi bloodysurfer,

The drop in your score might be due to the hard inquiry. That would be temporary, and your score should rebound after a few months of using the new card responsibly. 

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