https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940277#M246585 <P>No. Have you gotten your free credit reports for the year?</P> Sat, 09 Mar 2013 01:54:51 GMT Anonymous 2013-03-09T01:54:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940265#M246582 <P>I only have credit karma. Can it tell me late payments that hurt my credit score? thank you</P> Sat, 09 Mar 2013 01:51:54 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940265#M246582 Anonymous 2013-03-09T01:51:54Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940277#M246585 <P>No. Have you gotten your free credit reports for the year?</P> Sat, 09 Mar 2013 01:54:51 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940277#M246585 Anonymous 2013-03-09T01:54:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940283#M246587 <P>NO I havent</P> Sat, 09 Mar 2013 01:56:20 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940283#M246587 Anonymous 2013-03-09T01:56:20Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940469#M246606 <P><EM>&nbsp; &nbsp; Start with pulling your FREE CR's from (ACR)&nbsp;<A href="https://www.annualcreditreport.com/" rel="nofollow" target="_blank">annualcreditreport.com</A>&nbsp;. they tend to have more info on them, then ones from a 3rd &nbsp; party.</EM><EM>&nbsp; &nbsp;The CR's from ACR, come directly from each of the CRA's. You can pull 1 Free CR from TU,EQ and EX every 12 months.</EM></P><P>&nbsp;</P><P><EM>&nbsp; &nbsp;Save your money and Don't Buy the Scores, they are what we call FAKO's.</EM></P> Sat, 09 Mar 2013 03:04:28 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Karma-late-fee/m-p/1940469#M246606 Shogun 2013-03-09T03:04:28Z