Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations

3,172 of 5,000 at this time. 10:00AM EST...

Just be aware that I could not find any way to manually refresh credit score after switching it to beta

Thanks OP

is this for life...or like 1 year trial

Wishing I hadnt changed over to beta. Removes manual refresh and no way to go back.. :-(

it's one way street, i wish i could go back to the old site, very disappointed! i don't need 3rd party manage ALL my credit card info, even CK is legit.

I switched to Beta and i know that the score doesn't allow you to refresh, but even when I had the regular CK, i could refresh everyday but my score would only change at a weekly basis so I don't think the refresh did anything. I may be wrong but it seems like credit karma refreshes scores at a weekly level either way

It was free with BOA. Atleast you can meet a real person if something goes wrong.

https://www.bankofamerica.com/onl...nt-faqs.go

Awesome, signed up myself and my wife.

I closed my account with them. It is useless service. I though they do provide credit score from all credit unions but that is not the case and the score they show is just an indicator.

Never shows what inquires on my credit record. Giving me crazy ideas like open more account to improve my credit score. Always shows my score is around 750, in reality mine is over 800.

It seems like, they get all your information and trying to sell as many products, credit cards offers etc to make money. Do no presume that, they provide a real time credit monitoring and will tell you in real time who accessed your credit and what was the nature of inquiry.

What he said! Since I don't pay for the service I'm not gonna complain all that much, but in reality, you have to take their "scores" with a HUGE grain of salt. Their supposed score was about 30 points off from what mine actually is. I made the mistake (stupidly) of shopping around for a refi using their score, when in reality it wasn't even close to right. Kinda embarrassing when the broker actually came back with my real score and I had to renegotiate. I do like that it's free though, and that it does give a basic rundown of what's on your credit report.

Quote from hamarabajaj : I closed my account with them. It is useless service. I though they do provide credit score from all credit unions but that is not the case and the score they show is just an indicator. Never shows what inquires on my credit record. Giving me crazy ideas like open more account to improve my credit score. Always shows my score is around 750, in reality mine is over 800. It seems like, they get all your information and trying to sell as many products, credit cards offers etc to make money. Do no presume that, they provide a real time credit monitoring and will tell you in real time who accessed your credit and what was the nature of inquiry.

Quote from hamarabajaj : I closed my account with them. It is useless service. I though they do provide credit score from all credit unions but that is not the case and the score they show is just an indicator. Never shows what inquires on my credit record. Giving me crazy ideas like open more account to improve my credit score. Always shows my score is around 750, in reality mine is over 800. It seems like, they get all your information and trying to sell as many products, credit cards offers etc to make money. Do no presume that, they provide a real time credit monitoring and will tell you in real time who accessed your credit and what was the nature of inquiry.

You can pretty much read on the pages that it's only your TransUnion credit score they give you (which admittedly is the least used). Opening more accounts increases your utility so its not always a bad thing and it shows that a lot of people are willing to give you credit. What is a bad thing though are inquires and hard ones they do report to you (as soft ones do not affect your score).

I'm all for being critical of services, especially ones like these but uninformed critique is never productive.