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Well here we go again. .
0% Card Utilization yet I do not carry cash in this town everything is purchased with plastic paid off eom and score keeps going down. No debt, nothing overdue. I do realize that Karma is just a tool and I do use it as such; however, I do believe Karma should do something about their formula for Utilization. If they expect me to use the 12 cards I have (I only use 3, which are the best on points in my categories and great customer service--Chase, AMX, Chase), then I will continue to suffer from their calcs because there is no way I will use them all. If they want debt, again I will suffer for we are debt free and will stay that way. WE are in the process of mortgage approval and will pay 50% down cash savings; maybe by having a mortgage debt the score will go up. But just remember Karma is a good tool. I will not give up on them. I have seen Karma take my score of 810 to 679 just based on Utilization. The other real score companies I check quarterly, it costs but it also keeps me in knowledge of the math difference to expect from Karma.

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