General Credit Topics

[Swapmeet]

Like the title suggests, I would like to know a couple things about this creditkarma business. First, how many of you use it? Second, How often? Third, How accurate is it when compared with your fico score? I don't see myself ever quitting my SW membership (it has been so valuable so far), but I am also enrolled in credit monitor plus through USAA. My problem is with Credit monitoring plus. They recently decided that they would discontinue allowing unlimited credit report refreshing, which is pretty much my reasoning for enrolling. A lot of things happen during the month and I am the kind of guy who likes to know where I stand, not once per month, but whenever I want. So don't be shy folks, what are your experiences?

[rtw]

I use credit karma daily. The score is not close to the TU FICO but I like it because I can monitor when changes occur on my TU report. I know exactly when I should spring for the TU FICO score.

[HiLine]

1. I am 1

2. Daily

3. Not paying attention. I don't care about any FAKO score.

[swpopham]

Everyday and the approval meter says me or the old lady have a poor chance for a freedom card. We have csp, select and palladium card... so its not accurate

[john398]

I am addicted, I use it daily and also USAA preminium for all 3

[Swapmeet]

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rtw wrote:

I use credit karma daily. The score is not close to the TU FICO but I like it because I can monitor when changes occur on my TU report. I know exactly when I should spring for the TU FICO score.

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[Cdnewmanpac]

I use it daily as a poor man's credit monitoring. I don't find the ck score useful, though I pay some attention to the vantage.

[eviLution]

I use it daily to get alerts on changes to my TU report.

[newportguy]

i use it 3 or 4 times a month just to see how my score changes. Up untill i got my Amex card in Oct. that was backdated to 2001 the score was no where close. As of now my Credit Karmar Score is 778 & My Fico score is 780.  TU VT Score is 875

[pt2005]

I use it everyday. I really don't trust the CK score but the CK Vantage is interesting. I see it fluctuate a lot. I don't care about the Insurance score.