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I've been interviewing with some companies, and now I have to decide between JPMorgan Chase and Globant.
Globant is more innovative, and has remote work. I will enter to work with a Sillicon Valley startup based in San Francisco. The tech stack is React, Nextjs, AWS, and a serverless architecture.
JPM is semi remote, and less innovative. The tech stack Java, SpringBoot and AWS. But I'd do more migration tasks, like dockerize projects and pass them to kubernetes. What would you choose?
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Anyone got recruited for Pune location recently? My interview process has been completed and asked for documents on 23rd Dec, but till now I haven’t got any update after that. Today i called HR and they said manager has not provided any update on my application. Should i wait for the offer letter or look opportunity in another organisation? Deloitte Deloitte India
Please like 11 to open dms.
Nice try Accenture.

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Last I saw, credit karma does not have true FICO scores, they use their own formula to approximate. I would trust the Amex score.
Hmm then no sure why it's so much lower. Missed one payment 2 years ago and that's been it. :(
Also thank you fishbowl fam for the quick replies!
Credit Karma uses Vantagescore, which tends to score higher than FICO despite having a 500-850 range. It's less sensitive to inquiries and paid collections.
Likely different agency scores, i.e Transunion vs. Equifax
But my credit karma has both of those all at the higher number
Credit karma was not accurate for me. Paid for reports from 3 bureaus to confirm, and it was wrong
If you are curious, pull your reports on myfico.com, they give your score in a few different FICO models and you can see what might be impacting your score
Your company card doesn't impact your credit. Unless you miss payments maybe.
Nope it doesn't impact your credit score. What it does do is impact your internal score with Amex. So getting an Amex in the future for personal use will be more difficult
Hmm yeah... I miss a lot of those expense report. I just want to make sure I can get the new sapphire preferred card on Monday haha
I would recommend treating credit karma like an approximate ballpark. The ding from a missed payment from two years ago makes sense, believe it or not. As you gain more years of credit history, it will impact it less and prob have zero impact a solid seven years later. This is all from my own anecdotal experience.
So is credit karma usually higher or lower than actual?
The different companies pull info from several sources during different points of the month. It all depends on a ton of different factors so credit karma isn't consistent higher or lower but is a reliable ballpark estimate