that's it i'm canceling my account with them. Their scores are way off, they just use you as a way to sell more credit cards, and now they are giving out my info. They are worse than useless now.
There are dozens of models that various companies use. When applying for a mortgage, there are different models used when applying for a car or an apartment. Credit Karma gets their scores from the credit bureaus with some particular model, which probably isn't the same one when you go try to get a car. It's not _wrong_ it's just different.
To be clear: credit karma shows VantageScore 3.0 whereas most credit cards, mortgages, and auto loans use a FICO score more often. That being said, there's a bunch of FICO versions in active use. For a rundown of them see here: https://www.investopedia.com/articles/credit-loans-mortgages...
Some esoteric lenders might use VantageScore and, for the most part, if you have a good VantageScore 3.0 you'll most likely have good FICO scores.
There's a good 55 point gap between my FICO and my VantageScore, so if you're getting a mortgage or something, you'll definitely want to check the FICO value to at least know if that's the case for you.
For a slightly more useful credit score (more useful, not more accurate - see sibling comment), you'll want to get a version of your FICO score instead of a version of your VantageScore. You can get one for free here: https://www.freecreditscore.com/ - it's run by Experian, I haven't read the private policy but no payment information is required.
Wow you are indeed correct, according to their privacy policy:
> Due to our recordkeeping and information retention requirements, we do not delete information about you upon deactivation. We will, however, disable your account and stop sending you further communications. Furthermore, except to the extent necessary for legal or regulatory recordkeeping purposes, we anonymize the data in your Member Profile two years after you deactivate your account. It may take a little more time for our automated backup systems to fully process the anonymized account, though.
You would think but apparently that doesn't apply anymore. You can control the content and still get the protections of a common carrier.
I just know I'll remember that cloudflare could pull the pulg on my site if one of my users posts something they don't like. I don't think I can recommend their service to any of clients because of that.
Its too late for that. There is already a lot of federal control and influence over local police stations. You really think every po-dunk town can afford those MRAP's and other military equipment?
That is the same argument made to debunk climate change science. As if people dependent on a theory being true would set aside their morals and say that theory is true.
I don't think so. The US has used drones to bomb a lot of people without having to risk their own personnel and reduces the backlash from its own public.
estimating is either easy or impossible. You either have done it repeatedly and have data to show how long it took, or you have no fucking clue.
Focusing on the most important features of each module first, and then the most important of the next then the next with a focus on progress towards something useful is the only way to go.
When you have a consistent team and some tracking data to compare task size to hours required to complete, then you can start doing estimates for future work, but you never have to ask the dev team to estimate other than setting some relative size between tasks and trying to stick to the sizing system. I prefer Fibonacci story points, but it can be anything that has a number.
The whole point of Agile is to force the entire organization to recognize the fact that we don't know how long it will take to crate a satisfactory product. That doesn't mean just dev time but also figuring out what you want it to actually do throughout the process.
Instead of thinking you can write a perfect requirements document, then can just design and build it (waterfall) doesn't work.
The idea that you can have any sort of meaningful estimate even when you don't have perfect requirements is insane. Having an estimate with perfect requirements doesn't even work.
The most effectivly analogy I've used lately is: "Take your car to a mechanic and say "My car is making a funny noise, how long will it take to fix?" and see what kind of response you get"
