2 People Helped
Member Since: January 2012
Your post about Karma's accuracy makes me ask why their email gives me one score, but when I come to this site I get another score that is not as good? And I have two credit cards with histories older than the one's listed here. Further, they have very high credit limits and are paid off in full every month.
The two listed with high balances are on no interest promotional offers that I already used once and paid off on time. The one company offered me an even larger amount for an even longer period of time just a month ago. There are so many errors I guess that would explain why they cannot even get my scores right. Fortunately for me the companies I do business with know me better than these credit rating companies do. I cannot believe I wasted my time on this.
I have been getting more than $15,000 a year in no interest loans for up to 18 months for 2 years now. They cannot even get how long I have had my bank account right. I have done my banking with the same bank, even though it has changed names 3 times, for 40 years, but karma has me down for 4 years.
My advice is to stick with the same credit cards and bank and build a relationship. Forget taking out dozens of cards and burying yourself in debt to build a high score. Pay off your car and your home. Pay off your credit cards every month. Stay out of debt and then when you need a loan the people who have dealt with you for years will fall all over themselves to give you a loan. They may even offer you no interest for 18 months and ask you how much you would like to borrow.
SueSue2151's reply was:
Is there anyway, besides paying the loan off to withdraw as a co-signer? I know. I broke the rule, never, never co-sign for anything.
SueSue2151's response was: