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Valued Contributor
Swapmeet
Posts: 1,307
Registered: ‎11-10-2012

How Many of you use Creditkarma?

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?

My Wallet: WalMart: ||13.5k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: How Many of you use Creditkarma?

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.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 698 (my FICO 07/08/14) TU: 693(07/08/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Blogger
HiLine
Posts: 2,831
Registered: ‎10-19-2012

Re: How Many of you use Creditkarma?

1. I am 1

2. Daily

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

Established Contributor
swpopham
Posts: 539
Registered: ‎06-02-2012

Re: How Many of you use Creditkarma?

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
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Senior Contributor
john398
Posts: 3,507
Registered: ‎01-19-2009

Re: How Many of you use Creditkarma?

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

Valued Contributor
Swapmeet
Posts: 1,307
Registered: ‎11-10-2012

Re: How Many of you use Creditkarma?


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.



 

My Wallet: WalMart: ||13.5k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Established Contributor
Cdnewmanpac
Posts: 767
Registered: ‎01-16-2012

Re: How Many of you use Creditkarma?

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.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: How Many of you use Creditkarma?

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


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012

Re: How Many of you use Creditkarma?

[ Edited ]

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


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012

Re: How Many of you use Creditkarma?

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.

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300

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