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 Scores
Profile Image

Question By
ajk21

0 Contributions
0 People Helped
Not the site, but credit scores seem like such a scam!
I always pay my bills on time and yet my scores keep going down. I only have 2 accounts open as I do not want to open anymore and my score drops due to credit inquiries and age of accounts. But if I do not open anymore accounts creditors won't like me but if I open new accounts my score drops because of inquires and age of new accounts. Do you see where I'm going with this? I'm not a conspiracy person but this just seems like a load of BS. I make my payments ALWAYS on time and my score goes DOWN!? I haven't changed nor have I filed a claim with my auto insurance (nor have I gotten any tickets or accidents) and my score drops. What can I do? How can I talk to the ones that "decide" my score because I want to hear their logic! And the communities; I obviously have not educated myself too much because there are so many topics to cover and its completely overwhelming; I just need a place to start.

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.