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!


Posted in Credit Scores
Profile Image

Question By

10 Contributions
108 People Helped
Schizophrenic Simulator?
My CK score is 725 and my Experian score is 746. I only started building my credit history from the beginning, 7 months ago. I have one secured card with a $300 limit and with a 9% utilisation ratio, and recentily got approved for a $500 limit unsecured card. The later has not shown up on my report just yet, and when I select 'add card with $500 limit' on the credit score simulator, it makes my CK score drop to 644. I'm slightly nervous that this will, in fact, happen, when the card starts showing up on my credit report.

Any advice? Is the simulator schizophrenic? I'm fretting a bit, as I'm trying to pump up my credit score for a classic car purchase B-)

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

View your scores and reports anytime.


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.