Search in
Video Games TV Computers Finance Home Apparel Tech Cameras Autos Health & Beauty Children Entertainment Travel Pets
Slickdeals Gives Back Save money with our deals and we'll donate to a non-profit of your choice. Learn More
Frontpage Deal
CreditKarma Discounts, Deals and Coupon Codes

Credit Karma Beta: Free Credit Credit Monitoring + Linking of your Credit Card Accounts EXPIRED

BostonGirl 20,960 5,700 February 12, 2013 at 08:25 AM in Finance (4) More CreditKarma Deals
Deal
Score
+186
55,357 Views
See Deal

Deal Details

Promoted 02-12-2013 by brisar at 10:17 AM View Original Post
Credit Karma offers Credit Karma Beta for Free. Included is Free Credit Credit Monitoring plus Linking of your Credit Card Accounts all in one place. Thanks BostonGirl
Note: This is an improvement over our last posting of Credit Karma as the new CC linking is available.

Connect your accounts to:
  • Track bills and spending habits
  • Compare credit report data with your real-time bank account data
  • Receive email alerts on all of your accounts to stay on top of your finances
Safe & Secure
  • Bank-level encryption
  • Secure connection
  • No credentials stored in our database
Share

Original Post

Edited February 12, 2013 at 10:14 AM by brisar
Credit Karma is now offering a new feature allowing you to link your credit card accounts for free.

LINK


Connect your accounts to:
  • Track bills and spending habits
  • Compare credit report data with your real-time bank account data
  • Receive email alerts on all of your accounts to stay on top of your finances
Safe & Secure
  • Bank-level encryption
  • Secure connection
  • No credentials stored in our database

9,995 of 10,000
BETA ACCOUNTS REMAINING


Access All of Your Finances, All in One Place, All for Free
Free Credit Scores & Credit Monitoring
Real-Time Transactions & Notifications
Always Free. No Credit Cards Needed
Credit Karma gives you access to all of your financial information — bank accounts, credit cards, bills, mortgages, loans, investments, and, of course, your credit scores — all in one location, all under one account, all for free.
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.

Community Wiki

Last Edited by Birls February 14, 2013 at 07:06 AM
0 of 10,000 beta spots left.

No arguing in the wiki.

FYI - uses Yodlee for backend (like mint used to, before getting acquired by intuit)

--

I've never heard of Credit Karma. Are they safe/reliable?
A: Yes, I have been using them for over a year from a prior free deal. Great monitoring, never had any troubles.

I have an account in BCU baxter credit union and they this for free. So everyone who has BCU account can get this for free without worrying abour number spots left. vijju

302 Comments

12 13 14 15 16

Sign up for a Slickdeals account to remove this ad.

#196
Quote :
I repeat - TransUnion does not sell FICO score.

So the question is where did OP get their TransUnion FICO?
FICO (myfico.com) sells a TransUnion FICO.
Reply Helpful Comment? 0 0
#197
Quote from Capya View Post :
FICO (myfico.com) sells a TransUnion FICO.
Well yes, but the question was whether that's what johnlawwhiskey was comparing their CK score to and found it off by 85-95 points. Could be but I really doubt it.
Reply Helpful Comment? 0 0
#198
Quote from BostonGirl View Post :
I have never used Mint.com, but I have had an account with CreditKarma for years. This is awesome for me since I am always forgetting my CC logins...I can't count how many times I have been locked out of my accounts..LMAO
Try LastPass. It is free & I Love it. If I forget my password or user name, I just go to another tab & open my LastPass vault. It will make your life so much easier!

https://lastpass.com/
Reply Helpful Comment? 0 0
#199
I had credit karma since 5years ago. Everything is legit. Every time I open a bank account, I would see an alert stating that there has been a change in my account. Opening a bank account or a credit card requires a hard pull, so it gets on your credit report.
Reply Helpful Comment? 0 0
#200
Has anybody ever used BlueHarbor auto loans? I can refi both of our cars for 1.75%, didn't think I'd ever see a lower rate than we have already.
Reply Helpful Comment? 0 0
#201
Quote from amac373 View Post :
It said I already have an account too. I really don't remember signing up for CK in the past. Hmmmmm
I may be wrong but I think if you were signed up for Sears credit montitoring, you were signed up automatically for CK when Sears ended their CM. Like I said I may be wrong.
Reply Helpful Comment? 0 0
Joined Jan 2006
L10: Grand Master
8,151 Posts
2,641 Reputation
#202
Quote from blink55184 View Post :
Agree, LastPass is the end all for password managers. I switched from KeePass to LastPass
Meaning you have ONE point of failure. If LastPass online was hacked, ALL your passwords will be stolen. Even big bank, retailers, credit card companies, governments have their server hacked. And who knows if LastPass is going to be bought by some company that you don't want them to own your data. Not going to put all my "passwords" on the "cloud".

While KeePass is open source and offline. Actually offline only maybe a good thing.
Reply Helpful Comment? 0 0
Last edited by MozartA February 12, 2013 at 04:32 PM

Sign up for a Slickdeals account to remove this ad.

#203
Quote from Powza View Post :
Well yes, but the question was whether that's what johnlawwhiskey was comparing their CK score to and found it off by 85-95 points. Could be but I really doubt it.
It does differ a lot compared to the other main 2 credit scores reports but in my case, it is still in the excellent range & my other 2 are considerably higher so I am still very happy with CK.
Reply Helpful Comment? 0 0
#204
Quote from SilverSVT View Post :
Has anybody ever used BlueHarbor auto loans? I can refi both of our cars for 1.75%, didn't think I'd ever see a lower rate than we have already.
I avoided them. I highly recommend DCU at 1.99 or PenFed (if your credit slaps) at 1.49. I couldnt cut the mustard with PenFed at a 730 true FICO because apparently my last two credit card apps, which have great financial rewards for spending, have deemed me 'pyramiding of debt' worthy. A huge 8% utilization rate apparently set them off. A recon did nothing fruitful. I gave up on them. Applied and instantly approved at DCU is finalizing my refi now though on my car Smilie
Reply Helpful Comment? 0 0
#205
Quote from puddnhead View Post :
FYI you apparently can't sign up for the beta if you already have an account with them (strange approach, IMO). EDIT: nm, I see the link for existing account holders now.

Oh well, maybe for the best. I like credit karma, but exposing all my financial account info to a product with "beta" in its name may not be the wisest financial move to start with Wink

no kidding
Reply Helpful Comment? 0 0
#206
Quote from Birls View Post :
What are you basing accuracy on? Did he run his credit score through Transunion directly and it was off? The reason I ask is because anyone using CK should already know it is only based on 1 of the 3 credit reporting agencies and the other 2 may have completely different scores. Because of that of course FICO will be different as well as any service that has their own measuring tool. My concern is if he ran his score through Transunion directly and it came back differently, that would give me pause on the score offered through CK. Every CK user should be ready to check other scores before trying to make a large credit decision, but as far as what I use it for, it is a good indicator of progress with one score (I hope haha).
It's based on a Transunion score directly. Credit Karma was checked against Transunion and was off by 85 points exactly when the scores were taken within 72 hours of each other, with no changes being made during that time. A friend of mine checked both Transunion and Credit Karma on the exact same day, moments apart, and her credit score varied by 35 points, not as large of a difference, but still note worthy.
Reply Helpful Comment? 0 0
#207
Quote from Powza View Post :
Well yes, but the question was whether that's what johnlawwhiskey was comparing their CK score to and found it off by 85-95 points. Could be but I really doubt it.
Last time I purchased my TU FICO it was 682, my CK FAKO at that time was 613. So relatively large discrepancies (69 points in this case) are apparently not unheard of.

CK is great as a guideline, has good advice on improving your credit score, and is completely free. This new iteration of CK seems interesting, and I've certainly signed up for it.


That being said, my Amazon and Walmart store cards have so far failed to connect. (it got as far as a security question for amazon once)
Reply Helpful Comment? 0 0
Last edited by Capya February 12, 2013 at 04:47 PM
Joined Apr 2007
L8: Grand Teacher
3,529 Posts
971 Reputation
Pro
#208
Lastpass [lastpass.com] as mentioned is really good for those that are looking for an alternative to managing your logins. The free version is all you need and supports Google 2 Step Authentication. Premium ($12/year) is for people who want to use Lastpass with their mobile phones.
Reply Helpful Comment? 0 0
Last edited by snowcrash February 12, 2013 at 04:55 PM
Joined Jan 2006
L10: Grand Master
8,151 Posts
2,641 Reputation
#209
Things about credit score...
http://www.doughroller.net/credit...it-scores/

Custom vs. Industry vs. Educational Formulas: If things weren’t complicated enough, there are also different formulas for certain industries (auto loans and mortgages, for example). Some lenders have developed their own custom formulas that are a well-guarded secret. And there are what are called educational scores that are sold to consumers to give them an idea of where they stand.



FICO Credit Scores
FICO developed the first credit scores in the 1950s, and today the FICO score comes in many favor....
....
The key here is that even if you purchase your FICO score, it likely won’t be the same number a bank or other lender would see, even if they too are using FICO scores!

CRA Scores

Each of the the three national CRAs has developed its own scoring models:

Equifax: “Equifax Credit Score” with a range of 280-850.
Experian: “Experian Plus Score” with a range of 330-830.
TransUnion: “TransRisk New Account Score” with a range of 300-850.

And if that weren’t enough, each of the CRAs develop custom scores for clients.

VantageScore

Some time ago the three CRAs got together and decided to develop a joint score. Because they each must pay FICO a license fee to use its scoring model, they were hoping to push FICO off the gravy train. The results have been mixed, at best. One advantage, however, is that unlike a FICO score, the VantageScore uses the same formula at each of the CRAs.
Reply Helpful Comment? 0 0
#210
Quote from SilverSVT View Post :
Has anybody ever used BlueHarbor auto loans? I can refi both of our cars for 1.75%, didn't think I'd ever see a lower rate than we have already.

You can try penfed which is at 1.49%
Reply Helpful Comment? 0 0
Page 14 of 21
12 13 14 15 16
Join the Conversation
Add a Comment
 
Copyright 1999 - 2016. Slickdeals, LLC. All Rights Reserved. Copyright / Infringement Policy  •  Privacy Policy  •  Terms of Service  •  Acceptable Use Policy (Rules)
Link Copied to Clipboard