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 Karma
Profile Image

Question By
chaitime

0 Contributions
0 People Helped
Why isn't Experian included with the credit scoring?
I apologize if this was stated already and I missed it. Thanks in advance.

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
3 Contributions
6 People Helped
Most Helpful Response

hoeboy1

Helpful to 1 out of 1 people

 Just checked my Protect My ID by Experian. It's intresting that I applied for a Lowes Card and got it in SECONDS, but they show it TWICE-the same date and everthing. They are plainly trying to get me to purchase a Credit Report from them so I will have a Credit Report NUMBER-required to file a dispute! Two hard Credit Checks are twice as bad for my score, so they are giving me a reason to disspute it! It is all a matter of making money for them.

 There can be no other reason for applying for a Credit Card should show up twice-the same card on the same date-making it two Hard Credit Checks therefore hurting my credit rating. They think that I will pay them for a credit report so I can have a Credit Repot Number to file a dispute by. You can't file a dispute without the Report Number, and there is no reason they should have listed the same action TWICE exceept to get the Money for a new Credit Report. If everyone would quit paying this ransom money, they would give up to Credit Karma, unless they own Credit Karma!

3 Contributions
6 People Helped

hoeboy1

Helpful to 1 out of 1 people

 Probably because they own the site! I don't know this for a fact, but it is highly likely. I have Protect My Id and it is owned by one of the three big Credit Reporting Agencies. Even when they report something hard on my Credit, like a Hard Credit Check, they won't help you on little bit. They want to sell you a Credit Report so you will have a Credit Report NUMBER to file a claim against.

 What kills me is a card you haven't used since 2002 is still on your record and you KNOW that you were never late paying, they have many months that they have no records either postive or negitave on the records, yet you are automatically assumed to be delinquent in payment!

 If I haven't used a card since 2002, that should be a good sign that I paid the danged thing off and got rid of the yearly fees for the right to use their card when other are offering free yearly useage!

 It makes little difference what your payment record is! It's what gets reported or don't get reported. It makes no since to me that the more credit cards you have, the higher the Credit Score goes. It would make more since if you had fewer Cards and they were forced to report all or nothing. Someone should get a handle on these companies that can ruin you with their careless reporting. I have cards that go for months showing NA instead of OK. That means they have no record of those moths, but are assumed to be late. Well, how late are they? One day or 30?

 So, don't sweat it. You won't be denied credit reguardless of your score! Anyone can get Credit to buy a car or anything else. You may ave to pay a few point more, but in the end it won't be enough to make a difference or the Government would be on them to REPORT ALL ACTIVITY OR NOTHING!

Top Contributor
1884 Contributions
3672 People Helped

Because

Helpful to 0 out of 1 people

They aren't part of the CK system.

Results 1-3 of 3Results 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.