credit karma questions

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432521
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credit karma questions

Postby 432521 » Tue Feb 05, 2013 11:31 am

So I see that people on here use credit karma and I wanted to know if there were any catches to it.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


FutureBillionaire
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Postby FutureBillionaire » Tue Feb 05, 2013 11:41 am

None that I have encountered. It is a FAKO score, but it has some good info. I check it every now and then. It's a good place to see what cards you might qualify for.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

432521
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Postby 432521 » Tue Feb 05, 2013 11:43 am

and it is completely free?
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


RewardHop
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Postby RewardHop » Tue Feb 05, 2013 11:54 am

432521 wrote:and it is completely free?


Yes it's completely free. They do serve up ads for credit cards and other things to make money but you can totally ignore those.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

Daniel
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Postby Daniel » Tue Feb 05, 2013 6:48 pm

RewardHop wrote:Yes it's completely free. They do serve up ads for credit cards and other things to make money but you can totally ignore those.


I agree, they do have places on their site with credit cards and loans and things, but the credit report card and set of scores is indeed free. If only there was a way to get the FICO 08 consumer and lender versions free, or if we regular people could just know what the banks underwrite on for the financial products we are interested in.

DavidNY
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Postby DavidNY » Tue Feb 05, 2013 8:19 pm

I like it, it's free and has fresh TransUnion info.

Dylan1982
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Postby Dylan1982 » Wed Feb 06, 2013 3:53 am

Its a FREE site to use and has great info that gets updated every month. I would definitely sign up and join.
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)


DavidNY
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Postby DavidNY » Wed Feb 06, 2013 8:44 am

Dylan1982 wrote:Its a FREE site to use and has great info that gets updated every month


Credit Sesame updates monthly (also a good site). Credit Karma will update daily if requested.

FutureBillionaire
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Postby FutureBillionaire » Wed Feb 06, 2013 11:04 am

I definitely recommend signing up for both of them.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Dylan1982
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Posts: 308
Joined: Tue Mar 06, 2012 12:15 am
Location: Chicago

Postby Dylan1982 » Wed Feb 06, 2013 12:44 pm

DavidNY wrote:Credit Sesame updates monthly (also a good site). Credit Karma will update daily if requested.

Yeah I use both, Credit Karma and Credit Sesame!
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)



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