(Closed) I'm excited! Credit score went up!

posted 4 years ago in Money
Post # 3
2363 posts
Buzzing bee
  • Wedding: September 2013 - B&B

Woot woot!!! That’s awesome! Keep up the good work 😀

I know the pain and struggles with credit… mine took a hit over two medical bills (fighting with the insurance company and we thought it was resolved, and it WASNT, and now its so late, it’s hard to go back and fix it!) PLUS I never got a credit card when I was younger, and by the time I wanted one all the banks and companies had stopped giving them out like they used to. I applied for STUDENT credit cards, limits of $500, and was told “Well, you don’t have enough credit.”…. Um, right, hence the STUDENT CREDIT CARD like who else are you supposed to give these to?!?!?!

Ugh. So needless to say although I haven’t made many mistakes, my score isn’t as high as I would like it either. Keep your chin up though you’re doing it right!

Post # 5
2363 posts
Buzzing bee
  • Wedding: September 2013 - B&B

@LadyBlackheart:  Yeah I think it is good that overall the companies responsible for handing out are trying to be really selective, but at the same time then it’s like, how do people even start out anymore? Once I graduated and began paying my student loans I had a little bit of it… and then I got a best buy card and that helped…. I have had a kohls charge for a long time but it’s barely done much haha. Now I have a HOUSE on mine so if that doesn’t build credit, I don’t know what will!!! Haha.

Post # 6
2254 posts
Buzzing bee
  • Wedding: October 2012

@LadyBlackheart:  Yay! Glad to hear it’s improving. =) I know what you mean about credit cards being so much easier to get years ago. When I was in college, credit card companies would come to our campus and entice students to sign up with concert tickets and T-shirts and even leave applications in classrooms. Now, it’s impossible but sometimes I think that’s a good thing. My youngest sister is trying to build credit before she enters in grad school, and she can’t get approved for a credit card for lack of credit. Instead, I’m cosigning for her. She’s pretty responsible so I’m not too worried.

Post # 7
8471 posts
Bumble Beekeeper
  • Wedding: April 2013

@LadyBlackheart:  Grats!  It’s always nice when things are moving in the right direction 🙂

Post # 8
11242 posts
Sugar Beekeeper
  • Wedding: August 2013

I feel you–I made some mistakes at that age and they really bit me in the ass. I started fixing things ~7 years ago and my scores have gone up, but aren’t great. It’s frustrating! 

I have CreditKarma, too, BUT keep in mind that that’s only one CRA’s score for you AND it’s really low. I just checked all three reports and scores, and CK’s score for me is ~60 points lower than the score directly from that CRA (I believe CK uses TransUnion).

Post # 9
3058 posts
Sugar bee
  • Wedding: February 2015

i’m with @vorpalette: ….credit karma has never been spot on for me. it was high at first and i think it’s low now compared to my actual score. i went to myFICO or something like that and signed up for a free trial for a score tracker and it revealed my score is now MUCH higher than it was a year ago. i havent compared with credit karma recently though

Post # 10
256 posts
Helper bee
  • Wedding: October 2014

@LadyBlackheart:  Congratulations! I love using CK even though people say it’s lower than your “real” credit score. This, in my opinion, is GOOD because that means you might be doing a lot better than what your CK score says!

I’m only in the mid 600’s myself. Good luck to you!

Post # 11
3736 posts
Sugar bee
  • Wedding: September 2014

@LadyBlackheart:  Keep making good financial decisions and payments on time and it will go up, up and away! It will just take time and payments girl. You got this!

Post # 12
2833 posts
Sugar bee
  • Wedding: May 2014

Good job girlfriend! Keep on making that score go up!!

Yay I just checked mine and I’m at 753. And if KC is lower than what it really is when all 3 reports are pulled, I’m in pretty good shape!

Post # 13
1507 posts
Bumble bee
  • Wedding: June 2014

How does the Credit Karma app work? Is it completely free?

FI signed up for one of those ‘free’ credit checks over a year ago and he still hasn’t cancelled it. It charges him like $10.00 a month. I should remind him again that he needs to cancel it.

Post # 14
2037 posts
Buzzing bee

@LadyBlackheart:  Congrats!

Love credit karma, I’ve been working very hard on my credit and LOVE seeing my points go up!  I won’t be happy until I get to 700…then 750…then 800 haha!

Good Luck!

Post # 15
404 posts
Helper bee

I just checked mine.  511.  Ehhhhhh…. I made some really stupid financial decisions 5 years ago.  Most of it will drop off in 2015, but a couple bad things will be on there until 2017. 

Post # 16
1839 posts
Buzzing bee
  • Wedding: May 2013

yeah, my credit karma score was lower than my real scores (we just bought a house and were able to get them from our lender)–750 vs 790’s.

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