Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
bsmcreditkid

0 Contributions
0 People Helped
I've since acquired a Capital One Secured card. How do I update that information on my account?
I applied for and was approved for the Capital One Secured card back in December. I've seen a rise in my credit score already, but there is nearly a 100 point difference between my scored provided by Capital One and my scores shown here on Credit Karma. CK is also still suggesting that I get a credit card (not that much of a bother), but I didn't know if there was any way to update my information to show that I have done as suggested and have that information added to my account.
Also is there any accounting for the score discrepancy between the two sites? Capital One uses TransUnion, but on this site my TransUnion score is reflecting around 110 points less!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
497 Contributions
1204 People Helped

Credit Karma obtains your information from TransUnion and Equifax. It takes about 30-60 days for a creditor to report to the credit bureaus. Credit Karma uses Vantage Score 3. 0 which ranges from 300-850, the TransUnion score on Capital One is probably either the TransRisk model or an older version of Vantage Score that ranges from 501-990 which could account for the big difference.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.