Where can you check your credit score on a daily basis?

For just about anything you want to get off your chest about credit cards.
19 posts
Vermonster
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Postby Vermonster » Wed Oct 10, 2012 2:17 pm

Credit Karma Reports a 698 Transrisk score. But when I got my Card form Chase they listed my score at a 717 from Transunion. My Credit Karma score hasn't changed in the last 2 weeks, and it still doesn't show my Chase Freedom (even though it shows a hard pull from Chase).

Now Credit Sesame and Quizzle both say they use Experian Data but Both show vastly different information. My score varies by 80 points between the two. I just add them all up and take the average.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k


Daniel
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Postby Daniel » Wed Oct 10, 2012 3:25 pm

Vermonster wrote:Credit Karma Reports a 698 Transrisk score. But when I got my Card form Chase they listed my score at a 717 from Transunion. My Credit Karma score hasn't changed in the last 2 weeks, and it still doesn't show my Chase Freedom (even though it shows a hard pull from Chase).

Now Credit Sesame and Quizzle both say they use Experian Data but Both show vastly different information. My score varies by 80 points between the two. I just add them all up and take the average.


Quizzle uses a CE Analytics Score while Credit Sesame uses Experian National Equivalency Score. Both are based on the same data but are different models.

Not directed at you vermonster, but rather to all of us here, we all need to remember that each of us has hundreds of credit scores each measuring different angles of risk with different timeframes. In addition to this, each bureau offers different scores to consumers and commercial entities further confusing the issue. In general it only makes sense to compare scores that are based on the same model, not necessarily with similar score boundaries. Comparing a Vantage based score percentile to a FICO based score percentile doesnt make sense because they measure two different risk types.

lexrj
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Postby lexrj » Sun Oct 14, 2012 12:22 am

I did some research for that myself and the best I found was $11/month for creditchecktotal.com and I can pull 3 new reports p/ month which is more than enough for me. I might be wrong but I don't know anything that reports more than once month.
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

PallasAthena
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Postby PallasAthena » Sun Oct 14, 2012 7:43 pm

I am a little wary of Credit Karma. (After all, it's free and you "get what you pay for".) My credit score on Credit Karma is lower than what TransUnion is reporting. Also, some information on Credit Karma is outdated. At the beginning of June of this year, I paid off a loan that was close to $19K. Credit Karma, today, is showing that the balance is open and that I am still making payments. The three credit bureaus are more up to date and show it as being paid off. Not sure if I trust Credit Karma!
Oct '16
TU: 783, Equifax: 772
Ch 7 BK in '06, finally dropped off in '16
2 mortgages
paid off car
0 CC debt (Disc, Citi, and WF Amex)
furniture debt: $1800
Closed unused CCs, was dinged a few pts, but recovered
I filed for BK in '06 and was in debt over $500K. Never again! You can do it too! :lift:

Daniel
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Postby Daniel » Mon Oct 15, 2012 2:34 pm

PallasAthena wrote:I am a little wary of Credit Karma. (After all, it's free and you "get what you pay for".) My credit score on Credit Karma is lower than what TransUnion is reporting. Also, some information on Credit Karma is outdated. At the beginning of June of this year, I paid off a loan that was close to $19K. Credit Karma, today, is showing that the balance is open and that I am still making payments. The three credit bureaus are more up to date and show it as being paid off. Not sure if I trust Credit Karma!


Did you make sure to push the update score button? From what I have read elsewhere, only a small portion of the population has an automatic update set on their score (it could be a test). I have to click the update score button for mine on the score center page.

bernhardtra
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Postby bernhardtra » Wed Oct 17, 2012 11:44 am

I have a Credit Expert account which I got through Merrick Bank. They usually have a link somewhere on their site. It is $5.95 a month and the score I have from them is still not a real FICO, so it basically matches my Credit Karma score. I also have a Walmart card so I get just the score, which is FICO and that score pretty much matches both other scores. While Credit Karma does not give you the full report, you get enough of it to know what you need to work on. Look at their credit report card portion and it gives you letter grade score. For example I have an A in all categories except 2; Length of Account History and Inquiries. (For this reason I am not getting any new cards for a while.) It does tell me the factors which are keeping my score low. It clearly tells me that the low limits I have with Capone are keeping my score lower. It doesn't say Capone, but basically those are the only cards with low limits except store cards. Even before I had the low store card limits I had this statement, so I can deduce that it is Capone. I will correct this issue when I break 720 in my score, which should happen early next year. When I get a really good card with great rewards and low interest rates then I will simply close the Capone card the first time they tell me they won't waive the AF! I am already pretty safe with what I have now, so even if I don't get that card before it happens I don't care. (I don't carry month-to-month balances anyway, so interest is not that important to me, just limits. I am sure I will get better interest rates later.)
EX 686 TU 690

Cap One $500 6/10 closed no CLI 7/12
Cap One $2000 9/10
Household $500 9/11
Merrick Bank $2800 10/07
Marathon $900 10/11
Bealls $950 10/11
Marathon Visa $2500 6/12 Yeah finally a good limit card!
Barclays Rewards MC $1500 8/12
Belks $800 8/12
Walmart $1000 8/12

Daniel
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Postby Daniel » Wed Oct 17, 2012 12:55 pm

bernhardtra wrote:I have a Credit Expert account which I got through Merrick Bank. They usually have a link somewhere on their site. It is $5.95 a month and the score I have from them is still not a real FICO, so it basically matches my Credit Karma score. I also have a Walmart card so I get just the score, which is FICO and that score pretty much matches both other scores. While Credit Karma does not give you the full report, you get enough of it to know what you need to work on. Look at their credit report card portion and it gives you letter grade score. For example I have an A in all categories except 2; Length of Account History and Inquiries. (For this reason I am not getting any new cards for a while.) It does tell me the factors which are keeping my score low. It clearly tells me that the low limits I have with Capone are keeping my score lower. It doesn't say Capone, but basically those are the only cards with low limits except store cards. Even before I had the low store card limits I had this statement, so I can deduce that it is Capone. I will correct this issue when I break 720 in my score, which should happen early next year. When I get a really good card with great rewards and low interest rates then I will simply close the Capone card the first time they tell me they won't waive the AF! I am already pretty safe with what I have now, so even if I don't get that card before it happens I don't care. (I don't carry month-to-month balances anyway, so interest is not that important to me, just limits. I am sure I will get better interest rates later.)


How do you like the Barclays Rewards card? Are the rewards straight forward and easy to redeem, a bit convoluted or somewhere in-between?

Money card
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Postby Money card » Sat Oct 20, 2012 12:14 am

last tuesday October the 9th I went into Wells fargo bank and got my credit report and credit score. I thought it was kind of low for me.

Money card
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Postby Money card » Sat Oct 20, 2012 12:16 am

the offer ends in November.



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