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  1. #1
    Centurion Member
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    Cool What Are Your Scores From Credit Karma, Credit Sesame, etc.....?

    I just updated both Credit Karma and Credit Sesame today.


    Credit Karma: 676 (Trans Union)

    Open Credit Card Utilization: 13% (A)
    Percent of On-Time Payments: 100% (A)
    Average Age of Open Credit Lines: 6 yrs 8 months (longest is 12 years) (B)
    Total Accounts: 27 (A)
    Hard Credit Inquiries: 5 (C)
    Derogatory Marks: 0 (A)


    Credit Sesame: 755 (Experian)
    Chase Freedom - $8,000 (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 - $3,250 (3/2006)
    BestBuy - $1,600 (9/2003)
    Discount Tires - $1,000 (2/2004)
    Kohl's - $300 (4/2012)
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  2. #2
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    Default

    Credit Karma: 755
    Credit Sesame: 783
    myFico (Equifax): 739

    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
    Chase Sapphire Preferred: 2% travel
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  3. #3
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    @Dylan1982, you sure you typed those scores right? I heard of numbers comming up 20-40 points different but not by 79! Thats insane!
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  4. Centurion Member
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    Quote Originally Posted by paparoach429 View Post
    @Dylan1982, you sure you typed those scores right? I heard of numbers comming up 20-40 points different but not by 79! Thats insane!
    Yup I'm positive they are typed correct. Remember they are a 'reference' number, they're not actual.

    For example, July of 2012, I needed to take a personal loan out. My local CU pulls Trans Union. At the time my credit scoar according to Credit Karma was around 660. When my CU pulled my credit report using Trans Union I was at 689 or something like that.

    So I just use Credit Karma and Credit Sesame as a reference. And your score will vary from the 3 bureaus.
    Chase Freedom - $8,000 (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 - $3,250 (3/2006)
    BestBuy - $1,600 (9/2003)
    Discount Tires - $1,000 (2/2004)
    Kohl's - $300 (4/2012)
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  5. #5
    Centurion Member
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    Default credit

    Karma is 754
    Sesame is 746

    craigm
    Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
    Chase Freedom CL 7.5k member since 04
    Chase Marriot Rewards Premier CL 20k member since 13
    Chase Sapphire Preferred CL 25K member since 13
    Bank Americard Cash Rewards Signature Visa CL 14k member since 11
    Discover Cashback Bonus $10.5k member since 11
    US Bank Cash + Signature Visa 15k member since 12
    Citibank Thank You Preffered World Mastercard $16.5k member since 14
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  6. #6
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    I have a 749 on Credit Sesame and I have a 770 on Karma. My Equifax.com has me at 760. I expect to be at 770 or higher on everything next month.
    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
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  7. #7
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    Quote Originally Posted by FutureBillionaire View Post
    Is Sesame free? I have a 770 on Karma.
    Yes it's free too

    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
    Chase Sapphire Preferred: 2% travel
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  8. Centurion Member
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    Oct 2012
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    Texas
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    Credit Karma is the only one I've checked. I checked it and updated it today and as of today it shows a 771. It has gone up 6 points from last time I checked it.
    Amex Platinum
    Amex BCP 15K
    Amex SPG 5K
    Barclaycard Arrival Plus WEMC 5K
    Chase Sapphire Preferred Visa Sig 23.5K
    Credit Union Visa Platinum 10K
    Discover IT 5.75K
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  9. #9
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    There are things I like and don't like about Credit Karma. Yes, it gives me a window into my Transunion stuff that I don't normally see since I subscribe to the Equifax service, but it's number is 25 points lower than TU gave me when I pulled all three reports when I re-joined EQ credit monitoring anyway two weeks ago. I would have thought that both numbers would have been more in earshot. Also, I was a little gobsmacked to see that TU had 6 inquiries on me when I thought I had just one from when BofA pulled me for a CLI and card change two weeks ago. Sure enough, five of the six were from 19 months ago...not sure why that would rate me in the "D" range for inquiries.
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  10. #10
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    CA
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    Default

    Credit Karma: 748
    Credit Sesame: 736
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