ray81apl

5 Contributions 1,633 People Helped

Member Since: September 2012

Most Helpful Contribution

A guide to Credit Karma's free credit scores

May 18, 2013
Helpful to 1587 out of 1667 people

if a good history cant be used [from rent utilites ins.] then why is negitive ones used. also medical with all its billing fiascos [double dipping, over charging, ghost charging] should not be included at all

Activity (5 Total Contributions)

A guide to Credit Karma's free credit scores

May 18, 2013
Helpful to 1587 out of 1667 people

if a good history cant be used [from rent utilites ins.] then why is negitive ones used. also medical with all its billing fiascos [double dipping, over charging, ghost charging] should not be included at all

Credit Score simulator broken?

May 11, 2013
Helpful to 6 out of 6 people

what ever I do positive does nothing. ck advises i add accounts i have 7 (-3 i closed )ck says i need 21 so i JUST add 2 and i go from 683 to 672 i add a car loan go to 644 ialready have 14% use and 100% no missed pmt. back 7 years. any thing pos. score stays the same i pay off my total owed $844 SCORE goes down to 681 2pts. nothing will make it go up. I SNEZZE IT WILL GO DOWN

Understanding credit score differences

Apr 21, 2013
Helpful to 4 out of 5 people

About 8 months ago all I was using was a debit card , my score was low. I got a free trial Visa credit, (no intrest for 12 mo.) , card  from my bank WELLS FARGO for $3,000. I started using it for all my purchases each month, I paid (auto bill pay) min. pmt on time. I also  paid 90 to 95% of amount used each month. I was showing using credit and keeping low but not zero balance. My average scores have gone from 595  to 772  and climbing.  The only reason I was able to get the WF car was it had been my bank ever since it took over WACHOVIA and I had $1000 in my savings.                                                                                                                                        

Trends by Domain

Apr 21, 2013
Helpful to 35 out of 52 people

I would like to see amazon/ebay

Understanding credit score differences

Apr 21, 2013
Helpful to 1 out of 2 people

LET ME see maybe NOTHING makes SENSE because spelling and stuipd abbrevations that are not understandable are included in scores. Maybe people should keep it clean and clear to make this forum more professional. In my humble opinion. You might be mad but using mad will not help dealing with credit bureaus. If you do that here then who knows what you will you do when you try dealing with them.  They will just blow you off and you will get nowhere