What does everyone use for Monitoring and Daily Credit pulls

[Anonymous]

I use credit karma and credit.com and sometimes the one from my capital one journey card. I use credit karma the most since they update it weekly and have more accurate scores and reports than the other 2. CK offers reports, credit recommendations, track spending, and a credit score simulator. I haven't tried Credit Sesame but I will very soon just to see what they say about my score. I know that they're app is horrendous.

[Anonymous]

Hey SM99.  You should find that your score from Sesame is identical to your TU score from Karma (assuming you generate your Karma score on the same day as your Sesame score is generated).

Both Sesame and Karma use Vantage 3.0, and Sesame draws from TU.

[darkfrosty]

Does credit karma show soft pulls ?? Currently I only use Myfico 3B monitoring .. but I would like to be notified of soft pulls 

[Anonymous]

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@darkfrosty wrote:

Does credit karma show soft pulls ?? Currently I only use Myfico 3B monitoring .. but I would like to be notified of soft pulls 

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No, I believe they only display hard inquires. Soft inquires don't affect credit scores a whole lot so they tend to leave those out.

[darkfrosty]

yes but a lot of people on here are able to see when a CU does their monthly AR etc .. which is a soft pull

[Anonymous]

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@darkfrosty wrote:
yes but a lot of people on here are able to see when a CU does their monthly AR etc .. which is a soft pull

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Do they view it on Credit Karma?

[darkfrosty]

either credit karma or sesame .. so i was curious for people who use either or