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never cosign for anyone even if its a family member.
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never cosign for anyone even if its a family member.
CK probably just hasn't been given the update yet.is anybody else credit karma app messing up on the iphone?
i made a payment last billing cycle but its still showing my previous balance.
(i checked my native CC app and its updated but C.K. isnt)
Prociate all the good advice on here. Old cat trying to fix some years of screw ups, wanted to know can I trust Credit Karma scores? By this I mean if someone say a mortgage lender ran my credit, could I be confident that the lender would come up with the same scores?
Again thanks for all the tips and advice, keep this going!
Nah not even close. Mortgage scores use FICO 04 models usually. Credit karma scores are vantage scores if I'm not mistaken. But they aren't true fico scores. Mortgage scores are usually lower than even the fico 8 scores
Good lookin out. Now is there somewhere I can go and get true scores, like the ones lenders would use?
Myfico.com
Edit: you can get free fico 8 scores from a few different sites but to get mortgage fico scores (I was assuming that's what you were asking about) you likely have to pay for them and myfico is a really good site to get them. Let me know if you just want free fico 8 scores and I can give some suggestions
never cosign for anyone even if its a family member.
just google dispute templates, copy and paste, and send them yourself.Usbank sent me back the letter creditrepair.com sent them. They aren't even sophisticated letters or legal/procedural challenges. It's basically begging and they dropship it using your address. IIRC last time I looked they had in fact removed it but they sent a letter back like "this seems like a credit repair agency letter attempt. Send more specific details about your account and why we should vacate the entry from your credit." So far I got 6 of 11 things total between all my bureaus removed though but I'm cancelling them. I think it was worth it for 2 months but like has been echoed here, even the freebies like CreditSesame and CreditKarma have a dispute option or used to I know I have used it before.
Word up prociate that!!MyFico is safe. Used them to track my mortgage score while I was buying a house
Thanks for that. It's slow and go but I am starting to see the fruits of my labor...Personally, i don't think it's necessary to pay to see your exact score. Credit Karma will give you a ballpark range, which is more than enough to know where your credit worthiness stands. For example, my CK score has habitually fluctuated between 790 and 801. Though it's not precise, it's enough to inform me that I will get a good rate on a loan when it comes time to borrow.
Interestingly enough, in March, I went to my bank to get pre-approved for a mortgage. The loan officer did a hard pull on my credit and my score came back, surprisingly, at 809. Relative to this true score, my CK score range was obviously underestimated, but in the grand scheme of things, did the difference matter? No, specifically because I was already in the "very good" range and knew I would get choice rates.
In the end, there's no need--imo--to pay to see your score. My advice is to just stick with the free options (CK, Discover, Cap1, etc). CK has always given me detailed and accurate information about my credit, and provided me with a useful ball park range of where my score stands, and that's been more than enough. Who you get your score from shouldn't even matter. What matters is you being smart about your spending habits and nursing your credit worthiness. If you do this, your score will show positively irrespective of the source that shows it to you.
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from my understanding its treated as a credit card statement and if you miss a payments it affects your score as such.Does being put on child support really hurt your credit? And why?