@babypanda wrote:thanks a lot! turns out you were right! well after receiving my card and the paperwork that came with it......turns out my experian fico score was 715....... but the credit karma app always said 655-665?
Awesome and great score welcome to the 700 Club oh wait isn't that a religious channel for Old Folks o.O
Anywhoo DROP Credit Karma they suck donkey balls....Use MyFico exclusively with their 3B product for $30 a month....Can't beat it and now they give your new FICO 9 scores...YIPPIE!!!!
@babypanda wrote:thanks a lot! turns out you were right! well after receiving my card and the paperwork that came with it......turns out my experian fico score was 715....... but the credit karma app always said 655-665?
CK is good to see what is in your credit report. As far as the scores, they use Vantage 3.0 which is only as useful as me telling you that you have 800 credit score according to me. 
Coming from a rebuilding process since may, i have been monitoring my scores on several different websites, paid and free. Started with 500 fico across the board and in a year up to 700+ fico. The best thing i can tell you as far as the difference between CK scores and fico socres is, if you have bad credit with charge off's and collections, CK scores will be higher, if you have better credit, your fico scores will be higher. When CK used to tell me i had almost 700 TU score, my fico TU was little over 600. Very interestingly, as my credit improved, my fico scores were climbing up and ck was falling down, and as fico scores got better and better, CK scores has been stuck where they are for quite a while now.
haha thanks i'd love to get into the 700's club but turns out i don't even know my true scores....i guess i will have to get a paid high-quality service for that? the one on front page of this forum for $58, is it the one that a lot of credit veterans here use? at that price i assume it's super reliable... does it renew monthly?
Yes and actually it is not even $58 it is $29.95 a month, and you get your full 3 bureau credit report when you sign up, and all of your fico scores. You may or may not know but there is not only 1 fico scores, there are several different fico score versions. For example Amex may tell you your fico is 710 when they pull it for a credit card application, but when you go to apply for a car loan, it may be 690 or 750. The Myfico website gives you all of those scores, 24 hour monitoring, and everytime there is a change in your credit report, it updates your fico scores. This is what i use too, and recently i applied for mortgage and the mortgage score i see here and the ones that were pulled were identical on all 3 bureaus. So technically you can not get any more accurate than this. And you get a free updated credit report every 3 months here on myfico.
@babypanda wrote:haha thanks i'd love to get into the 700's club
@babypanda I currenty subscribe to the MyFico Ultimate 3B. I pay approx $33/month and every time something occurs that impacts my scores (whether my utilization is up/down, new inquiry, new account, etc) I receive notification for all three bureaus. They tell you what is impacting your score and give you your updated score. Every three months you receive access to a full credit report for all three bureaus. I am very paranoid about my credit scores now that I am in the market to purchase a new home so I want to make sure I am aware of EVERYTHING on all three reports. I had an issue a approximately three years ago where an error dropped all of my scores by 100+ points and I was unable to close on a house I was looking to purchase. Now I want to make sure there are no suprises.
Once I do purchase a home (later on this year.. fingers crossed) I will probably cancel or downgrade the subscription. I can always access my reports via annualcreditreport.com and most credit cards provide a credit score update monthly for one of the bureaus - which will most likely be enough for me.
The $58 is just a one-time look at all of your scores & reports for all three bureaus - it does not renew monthly.