dpk1nba

15 Contributions 374 People Helped Top Contributor

Member Since: October 2012

My Website: http://www.sleepinggiantflyingclub.weebly.com

Most Helpful Contribution

Hard Inquiries and Soft Inquiries

Jan 17, 2014
Helpful to 227 out of 281 people

1st off, if you don't undersatnd something don't blame credit Karma. All the information you need to make an informed decision is right here on this wesite. You have to read it. 2nd, whay was your new credit card limit and what was your balance when your score dropped 14 points? You must keep your credit utilization below 30% and shoulb be below 20% if you want your score to improve.

Activity (15 Total Contributions)

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Hard Inquiries and Soft Inquiries

Jan 17, 2014
Helpful to 227 out of 281 people

1st off, if you don't undersatnd something don't blame credit Karma. All the information you need to make an informed decision is right here on this wesite. You have to read it. 2nd, whay was your new credit card limit and what was your balance when your score dropped 14 points? You must keep your credit utilization below 30% and shoulb be below 20% if you want your score to improve.

A guide to Credit Karma's free credit scores

Jan 27, 2014
Helpful to 4 out of 4 people

I agree 100% with what you are saying but credit scoring is their game not ours and you have to play the game there way if you want the better score. That said, its better to have no credit history and cash in the bank than a great credit score. The better score only means you can borrow more money and get further into debt and thats it. Pay you living expenses and save your money as to pay cash for purchases and you will be far richer than if you have debt and a high score.

How can I see all three credit scores?

Dec 24, 2013
Helpful to 72 out of 99 people

•The credit scores provided under the offers described herein make use of the Equifax Credit Score™, which is a proprietary credit model developed by Equifax. The 3-bureau scores are each based on the Equifax Credit Score model but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to lenders along with numerous other credit scores and models in the marketplace. Please keep in mind lenders are likely to use a different score when evaluating your creditworthiness. Moreover, lenders may take into consideration items other than your credit score or information found in your credit file, such as your income.
•FICO® is a trademark of the Fair Isaac Corporation.
•The Automatic Fraud Alerts feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
•Debt Wise is not available to residents of Nevada, Utah or the District of Columbia.
•The rate information on these pages is powered by Informa Research Services, Inc. © 2011. This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention Equifax to ensure you receive the preferred Internet rate. Contact links@informars.com to have your rates included in this chart.
•WebDetect™ (an included feature) attempts to scan Internet sites where consumers' personal information is suspected of being bought and sold, and periodically adds new sites to those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible Internet site where consumers' personal information is at risk of being traded.
•Privacy monitoring, powered by Reputation.com, Inc., attempts to search Internet sites to find and, if purchased by the consumer, remove the consumer's personal information from the Internet. However, there is no guarantee that Privacy Monitoring is able to locate and search every possible internet site where consumers' personal information is being displayed. In addition, certain data companies may not honor requests sent regarding removal and data cannot be removed from those sites.
•Equifax Credit Report Control™ is only available while you have a current subscription to an eligible Equifax monitoring product. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Consumer Services, LLC. which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.
•Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shown in this Score Estimator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes.
•Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not includes all terms, conditions and exclusions of the policies described. Please refer to the Summary of Benefits and actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
•Equifax's credit monitoring products are protected by US Patent 7,028,052.

Recovering from Bankruptcy

Dec 30, 2013
Helpful to 2 out of 2 people

Sounds to me like your credit utilization is too high. Are you charging more than 30% of the card's limit when you use it? If so, that is your problem. Simply paying off your card every month does little to raise your score. You have to use less than 30% of your limit and pay that off every month to make a difference.

A guide to Credit Karma's free credit scores

Jan 27, 2014
Helpful to 1 out of 1 people

www.myFICO.com/FICO-Score

A guide to Credit Karma's free credit scores

Jan 27, 2014
Helpful to 1 out of 1 people

I have a similar issue. My score has been going up almost every month for the past year but somehow my auto insurance score keeps going down. How is that even possible?

How can I see all three credit scores?

Dec 24, 2013
Helpful to 1 out of 1 people

this is a credit report not credit scores

How can I see all three credit scores?

Dec 24, 2013
Helpful to 1 out of 1 people

credit.com is experion not transunion. Credit Karma is Transunion

How can I see all three credit scores?

Dec 24, 2013
Helpful to 62 out of 118 people

Free FICO scores are now avaialble:
http://money.cnn.com/2013/11/04/pf/fico-scores/index.html

credit scores vs credit karma scores

Oct 26, 2015
Helpful to 1 out of 2 people

Holly Crap...You and every one who responded in agreement to your comment are complete idiots. Credit Karma is not screwing up YOUR credit score YOU are. The advertisers on this website are just that. Advertisers. They are all here to sell you something and are not cohorts of Credit Karma. Just because YOU are dumb to enough to select and purchase a sevice from an advertiser on this site without doing any research on that company YOU selected does not make Credit Karma a scam. Get a clue. 

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