5 People Helped
Member Since: July 2011
It is NOT Cred Karmas fault you are really bad with money.
I noticed that you used the word 'always', but that not true.
Had you always been on time and had a lower than 30% ratio, your score would be in the high 800s.
Always means " from the beginning of time itself".
it too me changing, to get my score from 580 to 814 in 8 years. i just got a 4.2 refinance loan.
because of MY working at it.
I expect to be up to 830 by mid 2016.
myscoreisgood's reply was:
So, when you phone rings and you do not know who called DO NOT call that number back to see who it was !!
It most definately will start that 4 years all over again even if you did not know who called, or even spoke to a real person on your call back just to see who called!!