so i been using credit karma mobile app to keep track of my credit score every week and i read some comments about people saying it wasnt 100% accurate. There are 3 credit bureaus, CK only gives u your score from 2 of them (Trans Union and Equifax) so I went and got my Experian report from their website and this what I got
CREDIT KARMA
EXPERIAN
This means my Fico score is 675 (Fico is your middle score [not the average] that most lenders/dealers look at)
I get capital one credit card offers like 3 times a week and i keep throwing them out. Every offer comes with 23% interest after first 6 months even though the spending limit offers keep going up ($1,000-$3,000) and most recently an auto loan offer for up to $35,000 (with 24% interest).
I'm holding off every offer until i get little to no interest, maybe once i hit a fico score of 750 that will be possible just being patient and keeping my balance super low.
CREDIT KARMA
EXPERIAN
This means my Fico score is 675 (Fico is your middle score [not the average] that most lenders/dealers look at)
I get capital one credit card offers like 3 times a week and i keep throwing them out. Every offer comes with 23% interest after first 6 months even though the spending limit offers keep going up ($1,000-$3,000) and most recently an auto loan offer for up to $35,000 (with 24% interest).
I'm holding off every offer until i get little to no interest, maybe once i hit a fico score of 750 that will be possible just being patient and keeping my balance super low.
