Credit Karma

[alvon123]

If you truly want entertainment then take a spin with Credit Karmas credit score simulator.

[heyitsyeh]

You no longer need to rely on CK for credit scoring; you can get the actual FICO TU04 scores free if you have Discover or Barclaycards

[Involver]

My CK score and report are so far off from reality it's not even funny.  When I first started working on rebuilding my credit I put more credence in the scoring before I knew better, but now I only use it from time to time for a rough guide on what sort of things could be holding my score down.

[negg]

My credit karma score is 723. Just a bit off, as in 18 points higher then my myfico. Nice to see but not very accurate

[Revelate]

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@heyitsyeh wrote:

You no longer need to rely on CK for credit scoring; you can get the actual FICO TU04 scores free if you have Discover or Barclaycards

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Barclay's is TU08.  Have we confirmed explicitly what Discover is?

Moving this out of CC's, this has wandered

[Revelate]

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@alvon123 wrote:

If you truly want entertainment then take a spin with Credit Karmas credit score simulator.

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And oh yes, when I first started building credit I tried it putting my number of future positive payments at max which I think was 24 months out: zero change.  Whee!

[Peter1142]

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@Revelate wrote:

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@alvon123 wrote:

If you truly want entertainment then take a spin with Credit Karmas credit score simulator.

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And oh yes, when I first started building credit I tried it putting my number of future positive payments at max which I think was 24 months out: zero change.  Whee!

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Wow, you're lucky. After another 24 months of paying my bills on time my credit is going to plummet

[alvon123]

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@Revelate wrote:

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@alvon123 wrote:

If you truly want entertainment then take a spin with Credit Karmas credit score simulator.

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And oh yes, when I first started building credit I tried it putting my number of future positive payments at max which I think was 24 months out: zero change.  Whee!

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I know mine too   I even added another credit card in the simulator with a 20,000-30,000 limit (too experiment) and guess what.... NO change in score!!!