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About LinkBacksIs Credit Karma a good place to get your credit scores? Is it really free or is there is hidden charges or sign up fees?
Is anyone familiar with creditkarma.com and can offer personal reviews of using it?
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Green Member
- Join Date
- Jan 2012
- Location
- Lawrenceville georgia
- Posts
- 1
Credit Karma Reviews: Is It Legit or a Scam?
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Platinum Member
- Join Date
- Dec 2011
- Location
- Texas
- Posts
- 66
Credit Karma is free. It will allow you to monitor open credit that is on the Transunion credit report. It is a good site to follow your credit trends. The score is a consumer score and is not a real Fico score. It can be lower or higher than your fico score. In my case the score is lower than my real TU fico score by about 20 points. YMMV
Originally Posted by Rwood42
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Platinum Member
- Join Date
- Mar 2012
- Location
- USA
- Posts
- 64
Credit Karma is free. It is a great website, been using it for 3 yrs now.
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Platinum Member
- Join Date
- Dec 2011
- Location
- Texas
- Posts
- 66
HLN's finance guru Clark Howard likes Credit Karma and also recommends it. Says his score is 768. Like i posted before, it's a good site for watching trends on your TU credit bureau.
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Green Member
- Join Date
- Jan 2012
- Location
- New York
- Posts
- 21
How often do you guys check you credit score at Credit karma?
American Express Platinum
HSBC Platinum Master Card
Citi Diamond Preferred Master Card
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Centurion Member
- Join Date
- Jun 2011
- Location
- Down South
- Posts
- 201
I use Credit karma fairly frequently and I found that it is great.
Cards
Visa: BofA Cash rewards Visa Signature (1% on everything)
Kroger 123 Rewards Visa, Ascend FCU Platinum Visa (1% back), Penfed Platinum Cash Rewards Visa (5% on Gas)
BofA Cash Reward Platinum Plus (1% on everything, 2%on groceries, 3% on gas), Penfed Platinum Rewards Visa ( 5 points on gas, 3 points on groceries, 1 point on everything else)
Discover: Discover More (5% back rotating categories), Discover Miles (2% on travel and restaurants, double miles on phone, internet, and tv
Amex: Gold Card, BofA Accelerated Cash Rewards (1.5% on everything)
Express Store card (points for gift certificates and special deals)
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Centurion Member
- Join Date
- Apr 2009
- Location
- Texas
- Posts
- 542
CK score updates monthly and, as mentioned above, is not the "real" FICO score; however, it is a good indicator of what your standing is. The credit report card function also is interesting, but I don't know how accurate the data is.
CARDS (and why)
FIA Card Services: Fidelity Amex (best cash back excepting 5% cards), Fidelity Visa (spare)
Chase: Freedom (only for 5% reward categories, purchases under $10), Sapphire (not in use), Amazon Rewards (for Amazon purchases only)
CapitalOne: No Hassle Rewards (no foreign transaction fee, my only MasterCard, not in use)
Amex: Blue Cash Everyday (not in use)
Discover: More (only for 5% reward categories)
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Green Member
- Join Date
- Jan 2012
- Location
- New York
- Posts
- 21
Is there anywhere I can see my 3 credit score for free?
Is there one of the credit scores there is more important than the other 2?American Express Platinum
HSBC Platinum Master Card
Citi Diamond Preferred Master Card
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Centurion Member
- Join Date
- Mar 2012
- Location
- Virginia
- Posts
- 397
You wont see your score for free, but you can of course get your credit reports for free.
What I have found is that most inquiries hit my Experian more often than any of the other two, but request Equifax's score. Your use may vary.
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Green Member
- Join Date
- Jan 2012
- Location
- New York
- Posts
- 21
This might be a stupid question, but is there any restriction on how often you can go to Credit Karma and check your credit score?
Will it in any way hurt my CS if i went to check it once a month?
ThanksAmerican Express Platinum
HSBC Platinum Master Card
Citi Diamond Preferred Master Card
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