jIMOh
Thinks s/he gets paid by the post
I am in the process of rebuilding credit after my divorce in 2012 knocked it down...
A month ago I pulled a transunion report so I see what is on it. In general, a short sale on a house with two mortgages in 2012, plus a few joint loans my ex was late on in 2012-2013 are holding the score down. I opened my first credit card about 18 months ago, so the length of time for account on my current credit report is likely about avg of 13 months.
Here are my questions
1) Credit Karma is showing my scores fluctuating frequently
example 1- two bills had their balance decrease and it said score went DOWN 50 points (I think this was experian). In same time period transunion showed one of the old accounts from 2012 being removed and that score went UP 7 points.
2) Credit Karma does not show the 2012 accounts as open, those accounts do appear as closed/settled when I looked at the transunion report.
3) Does anyone here know a way to see SCORES for free? Not just what is on report, but what the calculated score is. I applied for a home equity loan (I own my house), was denied, and the score credit karma showed was 50 points off what the bank told me it was. This was in March 2019.
Any feedback on the above points (other data I need to review, or an app to try)
FYI app grades
Credit Karma I give a 3/10
Credit Sesame- similar to credit karma, slightly more helpful 6/10
Capital One credit app- quite buggy, would not work on my android 0/10
Transunion- app only lets me lock credit, not see my credit 1/10
Experian- shows me my score, shows many of of the 2012 accounts as being there, with avg account open at 9 years (from 2012-2017 I had no active credit accounts open). 6/10
I am trying to look at the sources of truth and to fix (or wait until April 2020 when most of the 2012/2013 stuff hits 7 year mark and is removed).
A month ago I pulled a transunion report so I see what is on it. In general, a short sale on a house with two mortgages in 2012, plus a few joint loans my ex was late on in 2012-2013 are holding the score down. I opened my first credit card about 18 months ago, so the length of time for account on my current credit report is likely about avg of 13 months.
Here are my questions
1) Credit Karma is showing my scores fluctuating frequently
example 1- two bills had their balance decrease and it said score went DOWN 50 points (I think this was experian). In same time period transunion showed one of the old accounts from 2012 being removed and that score went UP 7 points.
2) Credit Karma does not show the 2012 accounts as open, those accounts do appear as closed/settled when I looked at the transunion report.
3) Does anyone here know a way to see SCORES for free? Not just what is on report, but what the calculated score is. I applied for a home equity loan (I own my house), was denied, and the score credit karma showed was 50 points off what the bank told me it was. This was in March 2019.
Any feedback on the above points (other data I need to review, or an app to try)
FYI app grades
Credit Karma I give a 3/10
Credit Sesame- similar to credit karma, slightly more helpful 6/10
Capital One credit app- quite buggy, would not work on my android 0/10
Transunion- app only lets me lock credit, not see my credit 1/10
Experian- shows me my score, shows many of of the 2012 accounts as being there, with avg account open at 9 years (from 2012-2017 I had no active credit accounts open). 6/10
I am trying to look at the sources of truth and to fix (or wait until April 2020 when most of the 2012/2013 stuff hits 7 year mark and is removed).