Thats crazy, I've never heard of anyone being turned down for a secured credit card, or a bank saying we don't want your money
Check your options through Credit Karma
What's your credit score?
- Thread starter Actually6Foot3
- Start date
Check your options through Credit Karma
Facts
U think credit karma and the rest are giving u a “real” score but as someone said earlier subtract 65-100 pts and that’s what lenders REALLY see.
You do know that credit score is way more than how much a credit card company loans you right?
As far as me, my credit karma scores are in the low 800s. Don't know about actual ones but I imagine at least 750 or 770 even.
nikka I'm aware...shyt is still a stupid thing to brag about. How about nikkas post their retirement balance or their net worth not a fukk credit score...
Sunalmighty
Superstar
Credit karma scores aren't accurate. But 100 point differences are excessive. When we used NACA they pulled our score and it was 794. I think on credit karma was 820 or so.
[/QUOTE]breh,what did you do to your credit,and look up my jewlewry's club
My Jewelers Club™ -
You can get a 5k credit line from spending about 150 bucks, and it will show on your credit report, if you got family, ask them to be authorize user on their credit cards but you don't want a card or use the account, you just want it in file so it will raise your credit, and they're no risk to them because you're not getting a card or using the accounts
OG Talk
Archived
Credit Karma is a joke.
Had me walking into the car dealership like
Then after they pulled my real scores they were like
Also there are different types of credit scores. For example your consumer score that will help you get a Macy’s or Best Buy card might be totally different than the score that you need to get approved for an apartment or auto loan.
The best thing to do is have the bureaus send you a hard copy with everything broken down in detail.
Good luck. I started rebuilding mine a couple of years ago and it’s stressful. You gotta be on it every week. Check your mail and answer every unknown phone call. Can’t let anything slip through the cracks.
Had me walking into the car dealership like
Then after they pulled my real scores they were like
Also there are different types of credit scores. For example your consumer score that will help you get a Macy’s or Best Buy card might be totally different than the score that you need to get approved for an apartment or auto loan.
The best thing to do is have the bureaus send you a hard copy with everything broken down in detail.
Good luck. I started rebuilding mine a couple of years ago and it’s stressful. You gotta be on it every week. Check your mail and answer every unknown phone call. Can’t let anything slip through the cracks.
The first word I said in my response was “True.” I just adding that my scores were pretty close to my Credit Karma scores, even with the differences. I didn’t oppose anything you said.
BaileyPark31
Love, Peace, Health, and Wealth
I just told y'all I ran my scores through Equifax directly and this is accurate though
I literally have my entire credit report in a PDF on my PC dated 2.16.19 (since each bureau gives you one free report a year)
Credit Karma is not as far off as you guys are making it out to be. As a realtor I run credit often and people will say "can I just show you my credit karma" which we never accept as it could be doctored but more often than not their TransUnion is within 20 points of the score they've shown me. We also do a hard pull and get their ENTIRE report. I've ran more credit than I can count. In fact I just finished running someone's credit 20 minutes ago.
My Credit Karma and my real FICOs are only about 10 points apart.
I'm in the very low 600s
But I'm hoping to buy a house at the end year. I'm about to call a mortgage guy today for some advice on some charge offs from a few years back.
Hoping to see 640 to 680 by Oct.
pray for me yall.
BaileyPark31
Love, Peace, Health, and Wealth
Run your info through card pre approval sites :
Cap One
Citi Bank
Credit One
Discover
You may luck up and get a card offer. Even if they're secured.
If not, I think Open Sky will give u a card regardless of credit.
Also, try your credit union for a card. App for a secured card if u have to. Many will issue u a card regardless of credit. They may still hard pull tho. For example PSECU in Pa is a credit union that has a guarantee issue Visa for members.
Good luck
Who are you paying specifically for those scores?
Know Your FICO Scores and Credit Reports | myFICO
They have a fantastic app as well, one of the posters who posted a screen shot in this thread is using it. It ain't free, but if your prepping to apply for something, its a must purchase before hand so you can see what lenders will see before you do anything.
Appreciate it.
breh,what did you do to your credit,and look up my jewlewry's club
My Jewelers Club™ -
You can get a 5k credit line from spending about 150 bucks, and it will show on your credit report, if you got family, ask them to be authorize user on their credit cards but you don't want a card or use the account, you just want it in file so it will raise your credit, and they're no risk to them because you're not getting a card or using the accounts[/QUOTE]
