surferjohn54

4 Contributions 2 People Helped

Member Since: January 2012

Most Helpful Contribution

How Often is My Credit Report Updated?

Apr 16, 2016
Helpful to 1 out of 1 people

Slumbersaus, you couldn't be more wrong. KC only reports what the bureaus's tell them....Your pricy stuff gets you your score right now, My free KC is every Sat. morning. And it's free.They tell you how they do this, they don't hide things like TU, EXperian and EQifax, none of them try to help, my score has gone up 150 pts. in 3 months due to advicce from CK. I don't care they make .04 cents when I apply for a card on here, If you go to Face Book and click any advitiser, it's the same thing. Internet stuff. Why is it when I apply for a card at midnight, that HARD HIT gets on my report right then, lowers my score, thanks allot.. BUT, if anybody makes a mistake, 30-45 days.... Whose on your side ??? Not the agencies. Baptist hospitals put 2 collections on mine, 1 account, $25 and $99, lowered my TU 73 points.. I only went to the Dr. and should not of had to pay somebody else to have my blood drawn.So I got it straight, paid them, when Humana should have, and they said Thanks for your money and we'll correct your report in 30-45 days... Whose on your side ??? Nobody really.CK, just helps and at least they give you an idea of how much you might be approved by or not approved.The scrore is FREE cuz they get pennies when you applie, only thosands apply so that's how they stay in bussiness. What I learned was and I have 2 Cap 1 cards, one reports on the 4th, thus my score will change on the 5th, the other reports on the 8th, thus on the 9th my scrore will change. Paying money when on Sat. am CK tells you the score as of Friday, the same if you bought a car on Sat. At least CK helps you with tips. I asked Cap 1 to take off late reports and they took off 2. I asked for lower interest rate, did that. Tips lke these I didn't know about till CK told me. If you don't like CK, why be on here ??? Good luck paying for you immediate score, that could buy me a Starbucks for you pay on your cards, no offense...

Activity (4 Total Contributions)

How Often is My Credit Report Updated?

Apr 16, 2016
Helpful to 1 out of 1 people

Slumbersaus, you couldn't be more wrong. KC only reports what the bureaus's tell them....Your pricy stuff gets you your score right now, My free KC is every Sat. morning. And it's free.They tell you how they do this, they don't hide things like TU, EXperian and EQifax, none of them try to help, my score has gone up 150 pts. in 3 months due to advicce from CK. I don't care they make .04 cents when I apply for a card on here, If you go to Face Book and click any advitiser, it's the same thing. Internet stuff. Why is it when I apply for a card at midnight, that HARD HIT gets on my report right then, lowers my score, thanks allot.. BUT, if anybody makes a mistake, 30-45 days.... Whose on your side ??? Not the agencies. Baptist hospitals put 2 collections on mine, 1 account, $25 and $99, lowered my TU 73 points.. I only went to the Dr. and should not of had to pay somebody else to have my blood drawn.So I got it straight, paid them, when Humana should have, and they said Thanks for your money and we'll correct your report in 30-45 days... Whose on your side ??? Nobody really.CK, just helps and at least they give you an idea of how much you might be approved by or not approved.The scrore is FREE cuz they get pennies when you applie, only thosands apply so that's how they stay in bussiness. What I learned was and I have 2 Cap 1 cards, one reports on the 4th, thus my score will change on the 5th, the other reports on the 8th, thus on the 9th my scrore will change. Paying money when on Sat. am CK tells you the score as of Friday, the same if you bought a car on Sat. At least CK helps you with tips. I asked Cap 1 to take off late reports and they took off 2. I asked for lower interest rate, did that. Tips lke these I didn't know about till CK told me. If you don't like CK, why be on here ??? Good luck paying for you immediate score, that could buy me a Starbucks for you pay on your cards, no offense...

Quick Tips for Improving Your Credit Health

Feb 01, 2016
Helpful to 1 out of 1 people

When do, the date, the credit reporting agencies updating their files ??? I'm told it's about the 3rd or 4th of each month. I've got a new credit card through CK and so far it's not showing up. Obviously, it would lower my utilizatlion rate and up my score. Also, when i applied for the new credit car throught CK, it hit one of my bureau's and knocked my score down 16 points only because I had appied not to mention, as they say, look at the number of hard pulls before applying for anything. This was no. 6 so it hurt. So when I applied, it IMMEDIATELY lowered my score, but now that I've been approved, it's taking forever to show the approved account, the credit limit etc... Anyone know when the bureau's update their files ??  I'm just anxious to get my new card on it and my score going up. 

Understanding credit score differences

Jul 08, 2016

I had a derogorotory remark, paid tt off and Baptist hosptials took it off. Pinnicalle had one on there, a collection from a cell phone, I paid it off but they refused. So it shows I have a derogoroty remark but with a Zero balnce, Stupid. So I paid them, my score when up yet they refuse to take it off of my credit report so it shows a derogorory remark but it's been paid. They should not have the right to have the choice, If you pay it off, the remark should come off, but right now it's up to them. Over a $300 cell phone bill when I got laid off, on my report for 7 yrs. Wrong.......

How to dispute an error on your credit report

Apr 26, 2015

I"ve been sued several times by credit card company's attorneys and it's over 7 yrs. old and not on my credit report. If you ever owned it, they can sue you...