u/Capital-Mix-1563 — reddlx

credit card question

Hi all, so I know credit karma is definitely not the app to be using to monitor my scores, I primarily use myFICO.

But I was wondering how accurate their “approval chance” is. I’ve never really paid attention to credit karma but when I saw this card pop up with a very good chance of approval I got a little excited because this is the main card I have been trying to work my way up to.

I would also love some opinions on different cards that I also have good approval odds on like (Chase Sapphire Preferred, Capital One Venture, and Capital One Venture X) My goal has always been set on the Amex gold but I have heard good things about these as well.

Thank you all in advance!!

u/Capital-Mix-1563 — 4 days ago

▲ 2 r/UNC

Laptop question

Hi all! I am an incoming junior transfer student.

I am trying to decide on which laptop to get, between a Windows and a MacBook for my Information Science major. If anyone has any advice on which would be the better option I would love to hear it!

I also had a CCI question, I wasn’t sure if I got the CCI grant or not, whenever I go to check out it has the option for the grant and for me to enter my PID but I’m not sure if I actually got the grant or not as it does not tell me.

Thank you in advance!

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u/Capital-Mix-1563 — 6 days ago

▲ 1 r/CRedit

https://preview.redd.it/tfpce9jqd1yg1.png?width=1057&format=png&auto=webp&s=c696bfc9b2cab7af8b69bf6f053db01fc440949f

Hi everyone, I have been working on rebuilding my credit for a little over 2 years now. I am a little confused about a "late payment" that Equifax and Experian is reporting.

Basically since starting my credit rebuild I started with a secured card and worked my way up to unsecured cards. I typically try to keep my balances pretty low, but they hover between 0%-50% usage. I did however just pay all of them off at the beginning of the month so that has not reported yet.

But my main question is why TransUnion reports my last "late" payment was over 5 years ago but Equifax and Experion reported a late payment 2 months ago when I know for a fact I have not had a single late. I have even went though all of my CC statements and when even looking on myFICO at all of my payment history there is 0 late payments.

If anyone could help maybe figure out what could cause this I would really appreciate it. Also any tips on helping to rebuild my credit would be great. Its taking me a little longer than expected because I am back as a full time student so I have not had a steady income for awhile but I am trying!

Thank you in advance!!

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u/Capital-Mix-1563 — 24 days ago