Credit score question

There will be much better advice from others on here, but I'd start with getting your free credit report FIRST. Make completely sure that everything is dead nuts correct on there.

I started my credit repair journey about 18 months ago. Found out my credit actually wasn't that bad. But, discovered that I was tied up in my parent's credit cards from literally 25 years ago, so it was affecting my utilization %. Nothing mischievous. My Mom had added me to a few cards when I was in college, so that I could buy clothes, etc. We had totally forgotten about it since the 1990's. Lol.

Anyone, got myself removed from those cards which actually dropped my score significantly. I've spent the last 18 months re-boosting my credit and I'm back to looking pretty good.

Point being.....it starts with the credit report and it's accuracy. In my case it WAS accurate, but not what I anticipated. So, I fixed it.

Anyway, I now have a Discover card that actually shows my FICO score as a nice perk on their app. That number seems to be the hot ticket for institutions from what I've read.

With that said, my FICO only currently sits 8 points BELOW my Transunion score, so it's close. But it's a staggering 66 points above my Equifax one. Simply because Equifax doesn't have near the reporting history on it that it should.

Point being, Credit Karma is nice and I look at mine every single day out of habit, but your credit score needs to be tackled with the report first.

Hopefully more knowledgeable folks chime in.

P.S. I've boosted my score 78 points in this past year, so while it's a grind, I urge everyone to try because it can be done.

Thanks.
How do I get the experian, transunion, and eqifax without getting a hard inquiry?
I’d like to refi using my wife’s and mine together (both incomes )but had 2 hard inquiries in January to find out hers was not up to par. Paid off her old debt she had in her name.
Id like to get a good estimate before trying again

Most banking apps have it. I know for sure if you have a credit card with chase, Amex, or citi.

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Credit karma means nothing. Experian, Transunion, Equifax

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Credit Karma pulls transunion and equifax. I recently bought a car and the score they gave me at the dealership was like 10-15 points higher than what credit karma had (transunion and equifax)

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They use VantagePoint 3.0 or Vantage Score 3.0 or something. I’ve had to make a few calls lately because my score dropped 7 points for no reason. I have a 790 score so it’s not a big deal, but I want an explanation. They are a pain in the arse about it

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I can’t think of a better way to waste time out of my life than to call around trying to figure out why my score dropped 7 points. Stressing yourself out about something that is meaningless

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Should have kept yourself on there man (if it's low ?)

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The utilization was high, not to mention the interest rates. Wanted nothing to do with those. Glad everything is free and clear. All on me now.

Credit Karma inflates your score 40-80pts from a tri merge

Call the 3 mains and have them pull for u and get the report

Any lates blemishes will take 7-10yrs to fall off naturally or you have to ask the beaurus to remove them via letters. Not the easiest

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Credit Karma inflates your score 40-80pts from a tri merge

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I haven't found this to be the case. My actual credit score was about 10% higher than Credit Karma was reporting when I bought my last home. Like a lot of things in life I think this can vary person to person.