620 here
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659 although size isnt everything. Apparently 
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637/710 
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625 at the mo, update due in 3 days 
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Everywhere other than credit karma I am good/excellent, On credit karma I am on 535 āneeds workā. Its creeping up, but I have no idea why its so low on this one system
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My Karma score (vantage) is significantly lower than FICO 8, which is at 770.
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My Experian score has plummeted from Excellent to Poor. Not sure what caused this apart from a Ā£100 cash advance.
But I just remembered Iāve spent Ā£1000s on cash advances before when using Halifax Clarity to withdraw from ATMs on longer trips so not sure why this has had such a dramatic effect.
Has anyone tried to submit a dispute and if so did you get a response past the āthank for your enquiryā email? CK report says Iām not on the electoral roll. I am and have been at the same address for over 10 years. Wondering if they will respond and sort it out but itās been 3 weeks now and no further contact š¤·
Get a statutory report and see what it says. Back when I had a Capital One credit card their report had significant discrepancies (wrong addresses, etc) and yet the statutory one from the CRA was fine.
Iāll do that thanks. Doesnāt it mean someone, somewhere has incorrect info about me though and that should be sorted out?
CK are shocking on raising a dispute both the wife and I have defaults on our accounts that are still active with only with Transunion, Experian and Equifax uptodate.
Together there were 7 accounts still showing as active defaults which would have been cleared on discharge of our bankruptcy, again other 2 CRA correct, the disputes are raised and given a dispute case then a few days later depending in dispute get a whole new āqueryā number and nothing else, even the disputes raised contain no info of the creditor etc.
Emailed them back with list if disputes and query numbers for them to then finally give a breakdown on each roughly a week later, have to call the creditors to sort.
Itās been six weeks for me and heard nothing
I guess they donāt have competition, so no need to provide good customer service sadly
Itās not boding well for this fix then. Oh dear!
Very annoying!
I raised one with them in June about my electoral roll being wrong, took 36 days.
17 June - Confirmation of your dispute reference number
Dispute reference number: [Redacted]
Thank you for sending us details of your dispute. TransUnion UK will now get in touch with the data supplier to try to resolve it ā please be aware that it may take up to 28 days before you receive a response.
22 July - Credit Karma dispute
Iām emailing regarding the dispute you recently raised (dispute no. [Redacted]) against information on your file that is yet to be updated. Your request has been upheld and your report will reflect the changes within the next 7 days.
Many changes are dependent on receiving an update from your lenders, which happens every 4-6 weeks. This, coupled with the 7-day refresh period, means that changes can take up to 7 weeks to be reflected in your Credit Karma report.
Itās worth noting that, even if your Credit Karma report hasnāt been refreshed, the main database will be updated as soon as we are made aware of any changes. Therefore, if any searches are made on your file, lenders will see the most up to date information they have.
Within the āMy Accountā and āMy Disputesā tab on your Credit Karma account is a history of all your disputes raised and the outcome. Itās nothing to worry about but I just wanted to make you aware that the outcome of dispute [Redacted] will have a status of āRejectedā. All this means is that the dispute has been worked fully and this is simply how we record the outcome internally.
Thanks for the headsup. At least knowing the timescales is somewhat reassuring Iāve not been forgotten about.
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626/710 apparently I donāt use my credit card enoughā¦
663/710 apparently mine would be higher if I spent 1% of my available balance (Overall) on credit cards.
598/710
Apparently,much of my financial dealings are damaging itā¦
- All the current accounts Iāve opened, just to nab the switching bonuses has had a negative effect
(Iāll take the hit for the money Iāve made
) - Taking out new car finance
(Although the repayments went down!) - Credit card applications
(Blame Tandem
) - Not on electoral role
(My choice, stop pestering me lol)
Thank f**k in the real world, lenders look into the credit history long term, otherwise Iād be stuffed.
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I got hit by new car finance too. I mean itās Ā£100 LESS a month but sure, Iām awful at managing my moneyā¦ 