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

BostonGirl 21,111 5,745 February 12, 2013 at 08:25 AM in Finance (4) More CreditKarma Deals
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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
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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

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#241
I've been meaning to check out credit karma. Thanks for the link OP! Everything seems to be showing up except for one student loan.
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Joined Mar 2008
L10: Grand Master
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#242
Does anyone know how to add a perkins loan account?
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#243
How do you know credit monitoring is turned on?
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#244
Free??? Is Credit Karma selling all of your data to third parties? Services like this creep me out.
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#245
Quote from Olafur View Post :
Free??? Is Credit Karma selling all of your data to third parties? Services like this creep me out.
I don't think so. I have been using them for quite sometime. Awesome service which is fortunately free!!! Thumps up to them always!!! Smilie
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#246
Quote from huevos View Post :
Like it or not, a delinquency have a pretty huge effect on your credit score and will almost certainly cost you major cash in the long run. Two delinquencies? Even more so. Realistically, it is less fear mongering by Credit Karma, and more the simple reality of metric-based lending.

If you aren't going to take out a single loan in the next 7 or so years, then yeah, no big deal. If you're planning on getting a mortgage, then it's an almost certainty that however much time you spend to resolve the issue or pay someone to resolve it on your behalf will make it worth it. Somewhere between? Well, that's for you to decide.
lol fear mongering from a free website that offers advice and doesn't push anyone in particular

woot

pay your damn bills on time

sidenote

GE blocks almost all these aggregation sites, claiming they are insecure, even they they allow Intuit software to download the same data using identical methods. While this is definitely interesting and the next logical step, it's no mint.

They have made some nice changes to mint recently, but I wish the government would mandate open access to user information for us to pull. It's just too annoying to try and track all my data manually.
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#247
Quote from johnlawwhiskey View Post :
For those of you who are unfamiliar with Credit Karma, or who worry about giving them your information. My boyfriend has been using Credit Karma for a little over a year now, and has only used them for their free credit scores.

Some things to keep in mind:
The information that you provide Credit Karma with is the information that they use to determine what offers to send you and what advertisements to show you. Even though you provide accurate information, many times the advertisements and offers will be irrelevant to your situation.

The website is safe, and encrypted at bank level (take that for what it's worth in your book). My boyfriend has never had any problems, false charges, or anything else suspicious come up as a result of using this site.

The negative side to Credit Karma is that the credit score is not accurate compared to credit scores you will get from other companies. This is the most important thing to keep in mind. How far off the credit score is, will vary, but in the length of time my boyfriend has been using the service, Credit Karma has been 85-95 points off (high rather than low). Thinking your credit is fine, and then finding out it isn't can suck if you are in that place (luckily we aren't). But, for even those with good credit, it can be difficult to judge if you qualify for something based on your credit score when it's not accurate. The best way to judge your real credit score is with your FICO score, and Credit Karma does not offer that through it's free service.
Here are the problems with using any bought FICO score:

- which FICO score did you buy? You likely have 3, one from each of the reporting agencies
- which FICO is the institution using? They may buy one, or average more than one
- institutions have lending criteria beyond a FICO score, you can be denied credit for specific criteria (eg, length of credit history) even though you have a good credit score that satisfy their cutoff

So yes CK is not FICO, since its free, but I don't see how buying a FICO helps you any more than CK's estimate. Unless you know all of the institutions criteria you have no real idea if you will be approved anyway.
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#248
Damn.. I knew it was too good go be true.. no more daily updates, just weekly.
Is there any way to go back to the non-beta site?
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#249
in for it. so far a helpful resource
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#250
pardon my ignorance... i signed up, but whats the diff between this account and the normally free account?
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#251
Thank you
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#252
Quote from boltman2007 View Post :
No thanks....

I just use LAST PASS and pull annual credit reports plus I get monthly monitoring from AAA.

I'll use Credit Karma too for a quick score check but not give them access to everything!

I just scan my paper bills.

On top of that THIS IS A BETA PROGRAM! I'm amazed people are OK with giving up their passwords so easily.
I don't understand why people are OK with giving up their passwords so easily.
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#253
Can I sign in without giving SSN and CC information?
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#254
Without your SSN they won't have access to your credit history... so this site would be completely useless to you.
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Last edited by ADR_14N February 13, 2013 at 09:05 AM
Joined Feb 2011
I beat the Kobayashi Maru
2,716 Posts
2,027 Reputation
#255
Quote from satanslover View Post :
Here are the problems with using any bought FICO score:

- which FICO score did you buy? You likely have 3, one from each of the reporting agencies
- which FICO is the institution using? They may buy one, or average more than one

- institutions have lending criteria beyond a FICO score, you can be denied credit for specific criteria (eg, length of credit history) even though you have a good credit score that satisfy their cutoff

So yes CK is not FICO, since its free, but I don't see how buying a FICO helps you any more than CK's estimate. Unless you know all of the institutions criteria you have no real idea if you will be approved anyway.

Actually this information is incorrect.
You are confusing the credit scores from Experian,Transunion and Equifax with the FICO score. They are NOT the same.
The Experian,Transunion and Equifax scores can be determined by joining (and paying for) each respective website but this is NOT the score that credit card companies (and others) use.
They use the FICO score. This score is ONLY ONLY available at MyFico.com
There is only one FICO score and not three.

Also scores from CreditKarma and CreditSesame are known as FAKO scores. CreditKarma simulates a Transunion score and CreditSesame simulates a Experian score.
Now while both these sites are good at providing you an idea as to what your credit score with that credit agency is (usually the scores are usually off by about ? 10-20 points, but sometimes could be more), the only way to know your TRUE score (especially before doing something important) is the FICO score from myFico.com
That's the reason why someone might want to pay for their FICO score because as the previous poster said, you don't want to go in thinking you have a high score and then realize that you were off by 80 points.


And as to the second part "Unless you know all of the institutions criteria you have no real idea if you will be approved anyway"
Well, the 2 MAIN criteria that a credit card company looks for is credit score and no recent credit inquiries. This really brings in a lot of information.
A good credit score (more than 730) means a lot of things.
They know that you've been paying off your cards on time. That you've not had delinquencies. Because if you had any of these...you wouldn't have a good credit score.
That and next to zero credit inquiries in the past 8 months will get you approved for any credit card.
Ofcourse if you're looking for a loan or mortgage then you may want to have a year or so of no inquiries.
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Last edited by the.J129 February 13, 2013 at 06:30 AM
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