topic Re: How Many of you use Creditkarma? in General Credit Topics

How Many of you use Creditkarma?

Swapmeet — Wed, 12 Dec 2012 22:33:58 GMT

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?

Re: How Many of you use Creditkarma?

rtw — Wed, 12 Dec 2012 22:37:19 GMT

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.

Re: How Many of you use Creditkarma?

HiLine — Wed, 12 Dec 2012 22:39:05 GMT

1. I am 1

2. Daily

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

Re: How Many of you use Creditkarma?

swpopham — Wed, 12 Dec 2012 22:42:13 GMT

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

Re: How Many of you use Creditkarma?

Anonymous — Wed, 12 Dec 2012 22:43:36 GMT

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

Re: How Many of you use Creditkarma?

Swapmeet — Wed, 12 Dec 2012 22:45:34 GMT

@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.

Re: How Many of you use Creditkarma?

Cdnewmanpac — Wed, 12 Dec 2012 22:45:34 GMT

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.

Re: How Many of you use Creditkarma?

Anonymous — Wed, 12 Dec 2012 22:48:11 GMT

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

Re: How Many of you use Creditkarma?

Anonymous — Wed, 12 Dec 2012 22:53:43 GMT

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

Re: How Many of you use Creditkarma?

pt2005 — Wed, 12 Dec 2012 22:57:14 GMT

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.

Re: How Many of you use Creditkarma?

Brandnick — Wed, 12 Dec 2012 23:05:51 GMT

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

Re: How Many of you use Creditkarma?

Anonymous — Wed, 12 Dec 2012 23:03:37 GMT

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.

Re: How Many of you use Creditkarma?

09Lexie — Thu, 13 Dec 2012 01:21:44 GMT

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.

Re: How Many of you use Creditkarma?

Swapmeet — Wed, 12 Dec 2012 23:07:26 GMT

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...

Re: How Many of you use Creditkarma?

Shogun — Wed, 12 Dec 2012 23:24:14 GMT

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

Re: How Many of you use Creditkarma?

jsickz32 — Wed, 12 Dec 2012 23:26:30 GMT

@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....

Re: How Many of you use Creditkarma?

Swapmeet — Wed, 12 Dec 2012 23:28:14 GMT

@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?

Re: How Many of you use Creditkarma?

jsickz32 — Wed, 12 Dec 2012 23:31:09 GMT

@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

Re: How Many of you use Creditkarma?

Anonymous — Wed, 12 Dec 2012 23:40:36 GMT

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

Re: How Many of you use Creditkarma?

dabrian — Wed, 12 Dec 2012 23:41:12 GMT

Use it often. Hard to beat free.