58 People Helped
Member Since: November 2013
I've had a HELOC with them since 2009 and the rate has been the same 3.49%. Annual fee is $50. I set up automatic payment and don't need to deal wsith my monthly payment except get monthly email from them my account is paid. I am very satified with them.
diboch's response was:
I liked Ccredit Karma in its older time, more accurate credit/debt info. and scores camparable to other scoring agents. Now its credit scores departs from its peers and put you down if you believe it. So don't believe CK for its scoring, though its other info. is accurate and seems reliable.
As of today, my FICO score reported by Discover is 821 (Excellant), credit score reported by creditsesame is 765 (Excellant 740-850). But my scores here are "good", 739 and 740. Looks like your newformula put everyone down. Does anyone's score is raised by the formula?
I'd recommend coming here with your own awareness!
My FICO score by Discover using TransUnion data is 821, vantage score 3.0 here is 740, as of today.
diboch's reply was:
"Leaving a $5.00 balance" will leads you pay interest. Bad recommendation. Or you don't know that neither. I learnt it many years ago to try $1 less payment that statement balance.
the $5 unpaid balance would result you pay interest on the whole month balance, not no $5 only. Pay all off!