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

BostonGirl 5,419 February 12, 2013 at 08:25 AM in Finance (4) More CreditKarma Deals
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Promoted 02-12-2013 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

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.

302 Comments

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Joined Jul 2011
L3: Novice
300 Reputation
#46
For password security I use Roboform: http://www.roboform.com/how-it-wo...comparison

Remember one good password to log in and the rest are stored and encrypted. It remembers URL's and logins so you can log in to a site with one click from the interface. There are probably some free one's available but I liked this one after the trial period ended. It will also let you keep using it after the trial but disables some of the features.
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Joined Apr 2008
L3: Novice
384 Reputation
#47
Quote from dscline View Post :
I haven't signed up for this beta, but I've been using CK for quite a while. I generally update my score every morning, but it appears they haven't updated their data for me since last month. Most of my CCs close around the 1st of the month, and shortly thereafter I'll see a slight update due to changes in my balances, etc., and my average age of open credit will increase by one month every month. This month, my vantage score had a slight change, but my CK score hasn't and my AAOC hasn't incremented since last month. My "last updated" says today, but the data itself seems old.

Keep in mind that when the data is retrieved from the credit bureau, it is anywhere from 0-30 days old depend on when the bank last report to TransUnion.

That's why the new feature will give more recent information and better summaries.
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#48
Quote from btgxcell View Post :
So I see CreditKarma grabs a credit report from TransUnion. Does that mean that they use my one free credit report per year from them, or can I still get a free one directly from their site as well? Because I rotate getting my free credit report (one free per year from each one) from TransUnion, Equifax, and Experian to every 4 months to keep a gauge on everything.

Also, is everything offered up front free from CreditKarma (ie. no hidden charges or shady business upsetting tactics)? I see there is a free credit score, which is something that the three credit bureaus charge for.
No the free report from CK does not affect your ability to get them directly from the agencies.

Yes all credit karma's features are free. I'm pretty sure they make their money by "matching" subscribers to credit card offers, and getting referral bonuses, which I expect can be quite hefty for approved applicants.
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Joined Mar 2012
L3: Novice
56 Reputation
#49
Quote from CKFounder View Post :
We won't ever charge for our service. That is something we strongly believe in.
Ah I didn't mean CK specifically. I meant that there are tons of 'we will check your score for free' sites and they require you to subscribe for a plan that will charge you monthly; this means I would have to unsubscribe before I get charged later on... Which is a big pain.
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Joined Apr 2012
L3: Novice
152 Reputation
#50
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
Who remembers passwords that way? Just use Roboform Pro software and let it remember all your passwords and account logins.
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Joined Jun 2010
I should destroy my CC
225 Reputation
#51
Quote from CKFounder View Post :
We won't ever charge for our service. That is something we strongly believe in.

I like CK and have been using it for a while and found it to be 'pretty' accurate in relation to my actual score. I use mint however for all my financial gathering and don't think this will really improve the sites accuracy with your score but ultimately will just allow it to target ads better to you the user. That being said I think it's a good site so maybe supporting it with your personal info isn't the worst thing in the world. This + Mint is redundant however and since mint has android and I use it to track my spending it wins the info.
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Joined Oct 2007
L5: Journeyman
254 Reputation
#52
Quote from sklar View Post :
I try to simplify the number of passwords I use and what patterns to employ, but I'm routinely screwed by sites that:

a) require a 10 digit password...I have two of those, and others that limit you to 6 or 8
b) sites that require a special character in the PW, while I have others that will not allow one
c) sites like my bank that generate a user name I could never possibly remember..its like first initial, part of my last name, and then about 9 mixed case letters and numbers

So with such fine and varied security, I'm reduced to an 8.5x11 sheet of paper loaded with usernames and passwords, which I keep under my keyboard. Real secure.

Would it really be too much to ask to be able to pick my own usernames and passwords, even if they suck? Then I could get away with a handful, and be able to memorize them. A tad more secure than leaving a list of them where they're easily stolen along with the computer.

By the way, my bank offers similar services from my bank login. I don't think the cheap credit unions I used to use offered it though.
Correct Horse Battery Staple [xkcd.com]
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#53
I accidentally enrolled in the beta and couldn't for the life of me find an "udpate score" button... then I noticed this text on the Credit Score Center:

Quote :
Credit rating: [redacted]

Updated Feb 11, 2013

Next update available on Feb 18, 201
Is this strictly a result of joining the beta? No more daily credit report updates? Is this a planned change for creditkarma.com as a whole?
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Joined Jul 2010
L2: Beginner
31 Reputation
#54
Quote from spartan789 View Post :
The real value is in the data-mining of your credit card purchases. That is worth a RIDICULOUS amount to people. You might be surprised.
This is the absolute truth. I've been using Mint for over 2 years now, and with 13 credit card accounts, plus banking and investment accounts, the data-mining of my transactions are worth gold to me. I monitor Mint daily, checking it about 3 times as often as facebook. Each transaction is cross-checked and carefully categorized.
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Joined Apr 2012
L4: Apprentice
61 Reputation
#55
Been using the site for about a year now and I gotta say it's extremely useful being able to see your credit score and how it's affected by your spending and open credit. Very nice to have constant feedback.
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Joined Apr 2012
L3: Novice
152 Reputation
#56
I use Roboform Pro Everywhere
it syncs all your changes immediately online and you always have updated passwords on all your computers (home, work etc.)
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Joined Nov 2008
L2: Beginner
179 Reputation
#57
Quote from btgxcell View Post :
So I see CreditKarma grabs a credit report from TransUnion. Does that mean that they use my one free credit report per year from them, or can I still get a free one directly from their site as well? Because I rotate getting my free credit report (one free per year from each one) from TransUnion, Equifax, and Experian to every 4 months to keep a gauge on everything.

Also, is everything offered up front free from CreditKarma (ie. no hidden charges or shady business upselling tactics)? I see there is a free credit score, which is something that the three credit bureaus charge for.
Its a soft check. You are safe. I've been using it for awhile now. No hidden fees, etc.
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Joined Nov 2005
I <3 brains.
382 Reputation
#58
Quote from sklar View Post :
So with such fine and varied security, I'm reduced to an 8.5x11 sheet of paper loaded with usernames and passwords, which I keep under my keyboard. Real secure.
If you are worried that a printout of your logins and passwords is not secure, then write your passwords with extra or missing characters. Example: password is de$tr0Yer but you write down d$tr0Yer or de$tr0Yyer or some variation like that. Then all you have to do is remember what character(s) is missing or what you've added, which is quite easy if you have a logical rule for it.
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Joined Sep 2009
L5: Journeyman
760 Reputation
#59
Quote from technopimp View Post :
I still have at least 3-4 accounts that Mint can't connect to. I haven't found the site to be particularly useful.

To the people worried about giving out their credit card login details, I mean in the end what could someone really do with that? If I log into a credit card site, all I can really do is pay my bill. If someone else wants to do that for me, be my guest. I guess they could also see how much I owe on a card, but it's not like you can make a transaction or anything. Unless I'm just dumb.
Quote from spartan789 View Post :
The real value is in the data-mining of your credit card purchases. That is worth a RIDICULOUS amount to people. You might be surprised.
Quote from GeoffreyN View Post :
I more or less agree with you, but they could potentially open virtual CCs from some banks' websites and charge things to you that way.
Guess you guys dont have bank accounts linked to same user id as credit cards
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Joined May 2009
L7: Teacher
562 Reputation
#60
It's alot more likely your CC number will be stolen from a hacker breaking into an online retailer site or from a skimmer.

Where Mint is useful is seeing all your linked CC transactions on one screen. It also alerts you if you are charged a fee by your CC or bank if you link your checking account.

I recently caught an unauthorized charge on my wife's CC before her CC company did.

Mint is not perfect but I would guess it's going to be better than a beta unless Credit Karma intends to provide alot better support.
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