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 Karma
Profile Image

Question By

29 Contributions
28 People Helped
Why when I pay off my credit cards to ZERO balances the old balances remain?
I had $4800 in cc debts rolled into a personal re-finance. Yet, it seems, since I paid off my credit lines IN FULL the credit lines NEVER report ZERO balance to Credit Karma. So, Credit Karma continues to display a CRAP credit rating because I am over-utilizing my credit cards while they're ZERRO balances. Is this a bug, or am I supposed to now spend $10 on each card to PUSH an update to Credit Karma. By the way, what dishonest imbecile contrived "RISK" if someone USES THE CREDIT LINES THEY WERE GIVEN? So, you're only "ok" is you use just 30%? huh? What idiot computes a "PERFECT PAYMENT HISTORY" AND "100% UTILIZATION" as something TERRIBLE, TRAGIC, and BAD. Are they foreigners who want to frustrate the U.S. economy? Looks like it. Perhaps they're transients using the U.S. like an ATM with ZERO loyalty. So, maybe we need a COMPANYKARMA.COM site to start defaming these jack-offs? Please explain the BS... because it's PURE BS.

Again, if I use 100% of my credit lines, yet have a perfect payment history, I'm a problem? huh? Stupid ***. Dishonest scumbags. Transient non-American ******bags.

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.