What Are Your Scores From Credit Karma, Credit Sesame, etc.....?

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Dylan1982
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What Are Your Scores From Credit Karma, Credit Sesame, etc.....?

Postby Dylan1982 » Mon Feb 04, 2013 10:16 pm

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 - $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)


RewardHop
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Postby RewardHop » Mon Feb 04, 2013 11:35 pm

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

paparoach429
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Postby paparoach429 » Tue Feb 05, 2013 12:23 am

@Dylan1982, you sure you typed those scores right? I heard of numbers comming up 20-40 points different but not by 79! Thats insane!


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

Postby Dylan1982 » Tue Feb 05, 2013 12:46 am

paparoach429 wrote:@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 - $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)

craigm1
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Location: toms river nj

credit

Postby craigm1 » Tue Feb 05, 2013 9:16 am

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 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

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

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

RewardHop
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Location: USA

Postby RewardHop » Tue Feb 05, 2013 11:52 am

FutureBillionaire wrote:Is Sesame free? I have a 770 on Karma.


Yes it's free too
[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]


Robrus1
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Location: Texas

Postby Robrus1 » Tue Feb 05, 2013 1:54 pm

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 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Sevenfeet
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Postby Sevenfeet » Tue Feb 05, 2013 2:25 pm

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.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

ceemee
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Location: CA

Postby ceemee » Wed Feb 06, 2013 1:50 am

Credit Karma: 748
Credit Sesame: 736



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