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Does CK allow you to simulate your score to see how changes in your credit behaviors would impact your future score?
Yes. Basically all the Vantage score and even MyFICO simulators should be called Guess-a-meters. They aren't reliable and only go by a score. Doesnt take into account all the baddies on someones report per say and other things that make up your score. FICO scores are like a fingerprint. No one has the same report.
@MySunrise271 wrote:Does CK allow you to simulate your score to see how changes in your credit behaviors would impact your future score?
Yes, it has a simulator from TransUnion for VantageScore 3.0. Click on resources and select "credit score simulator".
Although it does have a simulator it is about as reliable as their scores, no lenders use them so it is really worthless.
Only good thing about CK is you can monitor your reports for changes etc.
@Jnbmom wrote:Although it does have a simulator it is about as reliable as their scores, no lenders use them so it is really worthless.
Only good thing about CK is you can monitor your reports for changes etc.
But boy is that ever a good thing. Really nice to have a free tool that will enable you to pull your reports as often as once every 7 days. And we have had many people on the forum who have said that Karma's alerts are much more prompt than (for example) that of myFICO Ultimate.
Also really nice to have a free source of the TU Auto Insurance score, since the only alternative is the LexisNexis Auto Insurance score and that costs you every time you pull it.
Actually CK has property (home) insurance score available as well - and they are different.
Regarding LexisNexis (LN), I have been unable to get a paid for score through their website this year. The prior links are dead. I believe they shutdown that option either March or April 2018.
@Thomas Thumb where do I find the property score?
You can find your home/auto insurance scores through CK here: