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Credit Karma is a good tool but....
It tends to give low expectations..and offers high APR rate solutions when it maybe isn't needed.
According to KC i was poor in both my scores yet got a used car loan for under 4%..and just got my Citibank double cash card with $1000 limit to go along side my Chase and Barclays rewards cards.
I have also been approved for a mortgage loan if i need it.
So all you guys with low CK scores do not be discouraged.
After that let it be said CK did help me get back on track.
Just do NOT get the high APR credit cards/loans without first trying for something better

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