I recently open a new credit card and the score was different from the score shown on credit karma.
For example karma shows 700 points. When I received my new credit card somewhere near the bottom of the page it say 750 points.
How often do they update my credit score? It has been over 1 month now.
They update daily theoretically. I have been using them over 2 years. I check it every few days and have seen when things, both right and wrong, have posted to my TransUnion credit report. I have seen my score change 3-4 times during a month,
When you say it showed 700 and 750, was the 750 your transunion score? Or was it your FICO score the issuer received when they approved you? It could be the score from another agency. I know my 3 scores vary by 40-50 points at times. Also, the CreditKarma/TransUnion score is not your FICO, but a similar type number.
credit sesame is better than credit karma. credit sesame checks your Experian which is what most banks use for your credit score. i had a negative mark on my credit and it didn't even show up on credit karma but it showed on credit sesame. i have since cleared up the issue and now my Experian credit score is higher than what it displays on credit karma! 770 woooooot!!!
I would not say that one is better, just different. Credit Sesame checks your Experian score and report while Credit Karma checks your TransUnion score and report. It is good to have both so you can see what is posting to 2 of your 3 credit reports.
Last edited by PATRICKWATX; 03-15-2013 at 09:10 AM..
lol i wouldnt use this and you shouldnt either. they are transmitting highly sensitive personal data out in the open with no regard for security in their app. theyve been ousted and it will probably be fixed soon if it isnt already, but they made this exact same mistake with the iOS app. not sure you can trust these jokers. maybe thats the whole reason its called 'credit karma', doesnt say if its good karma or bad karma
Developers of two popular smartphone apps—Fandango and Credit Karma—have been caught transmitting passwords, social security numbers, birth dates, and other highly sensitive user data over the Internet without properly encrypting it first, officials with the Federal Trade Commission said.
Both apps failed to perform a crucial verification before encrypting data and sending it from a smartphone to Internet servers. The authentication failure meant that anyone with the ability to monitor the connection—say, someone on the same public Wi-Fi network, a rogue employee of a telecom or Internet service provider, or even a state-sponsored agency—could present a self-generated imposter certificate. Because the apps didn't check for counterfeit credentials—a standard step that's not technically demanding to carry out—attackers could use the imposter certificate to encrypt, decrypt, and even modify traffic transmitted by the apps.
In the case of Credit Karma, developers disabled certificate validation during the testing of its iOS app and then failed to remove the override function when releasing it into Apple's App Store, an FTC complaint alleged. Even after catching and fixing the vulnerability six months later, developers made the same override error when releasing the Android version of Credit Karma in February 2013, officials said.
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