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New Contributor
Brandnick
Posts: 85
Registered: ‎11-07-2012

Re: How Many of you use Creditkarma?

[ Edited ]

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"
Contributor
Croselx
Posts: 138
Registered: ‎07-31-2012

Re: How Many of you use Creditkarma?

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
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: How Many of you use Creditkarma?

[ Edited ]

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 :smileysad: however my scores from Walmart and other LP have always hovered around 689-697.  

Valued Contributor
Swapmeet
Posts: 1,267
Registered: ‎11-10-2012

Re: How Many of you use Creditkarma?

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: ||10k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||7k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 700 (SW),TU 745 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Moderator
Shogun
Posts: 10,926
Registered: ‎04-15-2011

Re: How Many of you use Creditkarma?

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

Current 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

Going for Wade64's RUDY Spade!
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: How Many of you use Creditkarma?


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)
Valued Contributor
Swapmeet
Posts: 1,267
Registered: ‎11-10-2012

Re: How Many of you use Creditkarma?


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: ||10k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||7k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 700 (SW),TU 745 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: How Many of you use Creditkarma?


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)
Valued Member
GangnamFICO
Posts: 87
Registered: ‎11-28-2012

Re: How Many of you use Creditkarma?

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)
Frequent Contributor
dabrian
Posts: 271
Registered: ‎12-10-2012

Re: How Many of you use Creditkarma?

Use it often. Hard to beat free.
NFCU Sig Cash-20k, Amex BCP-8k, Amex Costco-1.2k,CSP-8k, Freedom-5k, Discover IT-11k,NCSECU-5k,Walmart-10k,Lowes-8.5k

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