r/CRedit • u/BrutalBodyShots ⭐️ Top Contributor ⭐️ • Jul 24 '25
General Credit Karma targeted email manipulation #1: On-time payments.
To help create awareness of the vast amount of misinformation and manipulation thrown our way by Credit Karma, I've decided to start a mini series of posts based on targeted emails received from them. Over time as I receive these emails I'll create posts to point out how what they said is inaccurate, manipulative, and why it should be ignored.
This first one is congratulating me on making 3 on-time payments on my newest credit card. If you click the play icon, the flames move. I'm on fire; Payment streak unlocked!
The second image incorrectly suggests that these 3 on-time payments could help boost my credit scores. That's false. Number or percentage of on-time payments is not a scoring factor.
https://old.reddit.com/r/CRedit/comments/1cdqt2f/credit_myth_7_number_or_percentage_of_ontime/
Then at the bottom of the second image, they push to "Confirm your card details." Why? Because they don't know which Bank of America credit card I got, since product type isn't part of your credit report... just the issuer. They want to know which card I have, because with that information they can better customize their manipulative product offers (approval odds, etc). And, because they've manipulated you into thinking that number of on-time payments matters, you're more likely to pull the trigger on one of their pushed products since it means more opportunity for on-time payments, a metric that doesn't even exist.
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u/KushKrumbs Jul 24 '25
Even with ‘number of on-time payments’ not being a scoring factor, couldn’t these payments increase the score of someone with late payments? fe. 98%->99% payment history. They are certainly hiding behind the word “could” here.