Re: How Many of you use Creditkarma?

Brandnick · ‎12-12-2012

Credit Karma (TU) score - 758

Amex Credit Secure (TU) score - 774

Difference = 16 points

Myfico (EQ) score - 771

Amex Credit Secure (EQ) score - 767

Difference = 4 points

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"

Croselx · ‎12-12-2012

I use it to monitor changes on my TU report (inquiries, balance report, new accounts, etc.), I ignore the score.I check it daily when I am eager to see something report or when I know that one of my cards will report.

I also use credit.com to monitor my EXP report, it has a vantage and FICO estimate score that is interesting (681 estimated FICO vs 676 actual FICO).

Use it along with WM free monthly FICO and you have a free monthly 'monitoring service' for TU.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries

09Lexie · ‎12-12-2012

I check it everyday to see changes on my TU, for inquiries and new account information. For me my score has NEVER been accurate. It shows a score of 627 however my scores from Walmart and other LP have always hovered around 689-697.

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Swapmeet · ‎12-12-2012

I just signed up. I didn't realize it was only for TU. I thought it was like USAA credit monitoring plus, which shows all three reports and scores. I guess they still get my 15 bucks per month...

My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie

Shogun · ‎12-12-2012

I use it just to keep an eye on my accounts. As far as the scores? They're not used by any lenders.

Mine

TU08=759

CK =748

11 point difference

DW's

TU08=754

CK =644

110 point difference

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

jsickz32 · ‎12-12-2012

@Swapmeet wrote:
I just signed up. I didn't realize it was only for TU. I thought it was like USAA credit monitoring plus, which shows all three reports and scores. I guess they still get my 15 bucks per month...

call USAA about cancelling the service and they will offer you the service for 50% off just to keep you....

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Swapmeet · ‎12-12-2012

@jsickz32 wrote:
@Swapmeet wrote:
I just signed up. I didn't realize it was only for TU. I thought it was like USAA credit monitoring plus, which shows all three reports and scores. I guess they still get my 15 bucks per month...
call USAA about cancelling the service and they will offer you the service for 50% off just to keep you....

What sorcery is this?

My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie

jsickz32 · ‎12-12-2012

@Swapmeet wrote:
@jsickz32 wrote:
@Swapmeet wrote:
I just signed up. I didn't realize it was only for TU. I thought it was like USAA credit monitoring plus, which shows all three reports and scores. I guess they still get my 15 bucks per month...
call USAA about cancelling the service and they will offer you the service for 50% off just to keep you....
What sorcery is this?

im cereal lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

GangnamFICO · ‎12-12-2012

I check it every morning just to see if I have any TU transactions, I've found the score to be worthless.

Walmart TU Score 740
Chase Freedom($5000); CitiThankYou Preferred($5000); GEWM Discover($3500); Walmart Store($1300); AMEX Gold; AMEX BCE($6000); GE Discount Tire($1500); Mor Furniture ($4700);Cap1($750)

dabrian · ‎12-12-2012

Use it often. Hard to beat free.

NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k

How Many of you use Creditkarma?

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