5 People Helped
Member Since: January 2014
I agree with this analogy compleetly
Greg661's reply was:
I believe no matter what you do to keep your credit in excellent shape there is always something that takes your credit score down, I have not used ANY credit in 1 year all I have done is pay debt down, I have 1 credit card that I am making triple payments on, so thats like 600 per month. My credit score has not changed in a year, I firmly believe that these scorees are manipulated and not real. I have had credit since I was 15 yrs old, I am now 55 yrs old, and the lemgth of any credit I have is 6 yrs 2 months come on who is doing whom here I know that is not correct and the credit breau knows it is not correct but they will not change it. I do have a 772 score so Im not in bad shape but for the way I handle my credit Id expect to see in the mid 800's not 772. Does anyone agree with me here?. you see what is happening on your own credir reports seems no matter what you do your score card dosent change and the score does not change . Whats up with that, I firmly believe this site is free because the offers for new credit cards keeps this site afloat, thats where I have issue with what I see on my credit report from this side. My discover card shows a fico score of 821 i pay that card off every month but on here I still have a balance from september. Dooes Credit Karma want me to take another card and pay off a balance that does not exist. These are words for thought if any of you are confused like me here about the why and how of credit.
Greg661's response was:
Id pay your collections off if you havent already then id ask them to remove them or show paid then id use a credit service to help you remove this bad marks.
I agree I am beginning to believe that what ever is done on this iste negativatley affects your score I have perfect credit low credit card utilization but have high mortage bebt because of the rentals I own still my credit score is 754 which I think is good but on here its not so good.