FYI Credit Karma now has Transunion and Experian scores

[GoFlipAPack]

I'm paying off a credit card and should have it paid off by May. I'm going to try not to check my score until after then. I was at 806 in August before I took on more debt from losing my job but now you got me wondering if that was accurate. Either way I want to get it back up and the site is still awesome.

fukk you yyou good credit having ass nicca

Im hating cuz im only at 748

 

[Rawtid]

fukk you yyou good credit having ass nicca

Im hating cuz im only at 748

I said that was back in August LOL! It's at 723 now. I paid off one card and paid down on the other and that hasn't been reflected in my score as of yet. My available balances aren't high so I got killed with high utilization.

 

[I_Got_Da_Burna]

Theres not much difference between a 750 score 800 imo.
With mortgages incomes and down payment are a major factors.
They look through everything with a fine tooth comb and use a different scoring method all together to determines your mortage rate.

I am going through it right now refinancing the house.

yea debt to income is the one biggest factor. depending on where you bank, if you don't meet the minimum debt to income ratio, you SOL

 

[Jesus]

630 to 751 in a year...finish these school loans in 2 years and I'm Gucci. Young black man with his credit straight. Pawn shop and quick loans we off that.

 

[SolesKing305]

My personal credit is looking good but I'm improving it as we speak.

Business credit is where its at

 

[beanz]

My credit has gone up 65 points since I first asked for advice on the coli. Another year at this rate and I should be around 720

 

[the artist known az]

They say that can't show my score because I don't have enough credit?

 

[FlyRy]

fukk you yyou good credit having ass nicca

Im hating cuz im only at 748

that's a great score breh

 

[Rusty Kuntz]

Those aren't FICO scores on Credit Karma; they use a proprietary scoring model that is specific to Credit Karma (Quizzle, Credit Sesame, etc. are the same way). The only way your can get your FICO scores is from My Fico or when you apply for credit; you will usually get a letter stating what your Experian/Equifax/TransUnion FICO score is (depending on which bureau they pulled from).

Sites like Credit Karma are okay for general monitoring, but they won't provide you with your actual score, and depending on what type of credit you apply for, the FICO you receive from a particualr company may be different also (there are auto enhanced FICOs, ones used for mortgages, some companies are still using FICO04 vs. FICO08 vs FICO09, etc.)

 

[flea]

mods delete this gay ass thread

 

[ManxOfxThexYear]

630 to 665/668 in 4 months

 

[Mr210]

I've been thinking about jumping on with credit karma

 

[HookersandIceCream]

I've been thinking about jumping on with credit karma

Its free
You'd be stupid not too