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

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.

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

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

This post can and should be edited by users like you :)
 

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

So, basically this is like Mint.com?

I'm not really seeing the value-added in doing this. I don't really like the idea of doing this with a Mint or CreditKarma. If it were like AMEX, I'd be a little more likely to do this.

thanks, i signed up!

nice thanks

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 ;)

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:

Click the link that says "I Already Have a Credit Karma Account".

I just use lastpass and "Daily Links" in Chrome to view all of my CC accounts and bank accounts each morning.

Log into your account and on your dashboard you will see if you scroll down "View Your Transaction History.Connect your online accounts to view your recent transactions right here on Credit Karma."
It should work.

I guess. I've never had a problem with CC logins, so I've never worried about that aspect (plus you can always have them resend to your e-mail on file as long as you enter the correct security information).

The issue I have with these all-in-one finance sites is that if that one falls, all the rest of your financial information will be available which makes it much more of a headache if someone hacks into that site. And you're trading off convenience for a much greater chance of financial exploitation which for me isn't worth it.

But to each their own.

Looks alright. Doesn't have options like setting budgets or savings goals like Mint. Looks nice though, going to play around with it. We'll see if I'm still using this in a month. Thanks.

Yeah, I figured it & updated my post a minute before your post, but you probably hadn't refreshed. Thanks.

A bit scared that a third party site (no matter how reputable) has ALL my CC logins... especially after seeing that Twitter is so unsecured, what happens if Credit Karma is compromised?

I'm trying it out now, but I think I've already decided that like my custom system better - I have a separate google calendar with repeating monthly events for each one of my bills, with the URL (if paying online) in the comments, and set to send me an email reminder 5 days ahead. I try to schedule payments more than 5 days before the due date, and when I want to see what upcoming bills I haven't dealt yet, I just look at that calendar. When I take care of each bill, I just delete the current instance of that reminder (making sure to leave all future ones still there). In this way, if I forget, let things slip, whatever, I get an email informing me that I haven't done it yet, & only have 5 more days.

That, in combination with the online quicken I get for free from my bank, looks like it may (?) do everything this beta system does (& more, better) for me already. The only thing it looks like I get from this beta that I don't get elsewhere is the stuff that I was already getting from regular credit karma: credit monitoring. In addition, my current method allows me to manage my & my wife's accounts together, plus some business account, where it looks like this credit karma system is individual (SSN) based? Annoying limitation if so. But I'll play with it more later, to see if there is functionality I missed the first quick pass through.

Mint.com is excellent and includes apps for android, iphone and ipad.... and is owned by the owners of Turbotax. If millions of people trust turbotax, I would be more comfortable with Mint.com.
Having said that I have an account with CreditKarma, but only for credit monitoring and not for the offer mentioned in the OP

I'm not sure Twitter is a role model for security.

i was already a credit karma member now after upgrading to this beta i lost my ability to update my credit score on demand, i cannot go back to the regular site to update my credit score? i lost my ability to update my credit score in this new beta?

Neither are most banks, since I'm pretty sure everyone has been hacked at one point or another.

It actually auto updates now on Login like the mobile app.

This is dramatically different. It correlates accounts to actual credit bureau data, and no other provider like Mint.com or Yodlee.com has done this.

No it didn't update, i see my last score update was done in January, i was trying to update my credit score for today i don't see a option. it shows my last month score and the last updated date on the score.

Use 123456 for CC and bank accounts
use your user name as password for forums ex Bostongirl pass Bostongirl
use abcdef for non-financial institutions...
this way you'll never forget them.... problem solved

hackers are an urban legend

This is a good point. We will actually build in features to make sure what the bank reports to the bureau is consistent with what you see automatically.

I saw that, but again I question the need for that in exchange for the heightened security risk.

I'd rather just do the yearly credit check (or pay for a credit report before a credit related inquiry) than to risk it if Creditkarma gets hacked.

But again as I said to each their own...

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.

a) Hmmm, interesting. I've never run into a site with the 10 character minimum password and 1 that limited it to 6 to 8 characters (credit union with crappy software. I mean seriously why limit the password to 8 characters MAX. That's just asking to be hacked....)
b) Just have a set of passwords that include symbol and another set without. Not too hard if you're already using sets of passwords.
c) I'd probably just keep a list of usernames as I agree those are hard to remember if auto-generated.

My trash company and my water utility both require ten character passwords. I just used my regular one repeated twice.

Of course, I'm quite certain that *I* could hack their sites in six minutes. They both look like they were done by a pair of nine year olds back in 1993.

Where does score come from? It isn't the actual FICO score...and credit bureaus mostly update once a month...so checking your bank/credit card data directly is more accurate than using info from the credit report.

This is incredibly useful for consolidating all transactions in one place to review them without having to login to multiple banks each month.

Sounds just like Mint:

https://www.mint.com/

I've used Mint for awhile and they have worked out alot of the kinks that comes with connecting with multiple bank/CC accounts.

The credit report information comes from TransUnion. By entering your account credentials, we also grab data directly from your bank. Then we match the two and look for anomalies.

Hopefully more banks/cards will go with the "access code" model, like Capital One 360 (formerly ING Direct) has. They issue you some large numeric code to give sites like Mint access to your balances and transactions without the ability to log in normally and do anything.

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.

I use roboform to store my CC info, logins, pay bills, etc. It's pretty much just one-click login, click pay bill, and then click autofill to populate the Name, address, CC info, etc. fields. Takes me about ~20 seconds or so to pay each bill.

Also, it was posted a while back, but seemed to of been put on the backburner...Roboform has a deal for college students (or anyone with an .edu email) for 4 years for $20. It's normally $20 a year for the pro version. There's a free version available too I believe, but doesn't store as many logins, profiles, etc.
http://u.roboform.com/

Only goes weekly now.

Mint is still currently better, but seems to have lost it a lot of its developer support.

I wouldn't mind Credit Karma beating out Mint, but they still have a lot of limitations to overcome.

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.

Will this be a good way to check my credit score before applying for a new card? I just got a new job and will be travelling 30-40% of the time and want to open up a new card specifically for those business uses. I also don't want to have to remember to unsubscribe from a free online service in order to get my score checked.

I mistakenly removed my account from the site a while back and now regret doing so as Credit Karma will not let me activate my account again. Word of advice to everyone: Don't cancel account unless you plan on never coming back again.

Looks like Yodlee.com

We won't ever charge for our service. That is something we strongly believe in.

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.

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.

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.

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.

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.

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.

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.

Who remembers passwords that way? Just use Roboform Pro software and let it remember all your passwords and account logins.

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.

Correct Horse Battery Staple [xkcd.com]

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:

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?

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.

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.

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.)

Its a soft check. You are safe. I've been using it for awhile now. No hidden fees, etc.

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.

Guess you guys dont have bank accounts linked to same user id as credit cards

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.

I should have been more clear. Not only is it worth a lot to the end user, it's worth a lot more to companies.

once a a week now for updating scores

Updated Feb 12, 2013
Next update available on Feb 19, 2013

It says:
"We do not store your SSN in our database. It will only be used to retrieve your first credit score."

If SSN is not stored in the database, what do they use to retrieve the credit score?

seems to be taking a long time to link my accounts

not a good source, they grab it for you when you click on "update your score". Sometime, this may even lower down your score,

I will not use it any more

Pretty awesome. Now I don't have to use Mint for finance and CK separately for my credit concerns. All in one spot, woot!

It depends on the bank and how fast they respond. Some are 15 secs others may be a few minutes.

No offense, I like and use Credit Karma, but how, exactly, is this a "Slick Deal" worthy of the front page. What...every time a free service adds a feature, it's a slick deal again??? And with "CKFounder" on the board, it just looks very suspicious (I really don't mean for that to sound naive...it's somewhat rhetorical, since we all know dollars are changing hands on this "free" deal).

If it is truly free. How do they make money?

One account compromised means all your CC account is compromised. Some of the well known websites have been compromised before and having too much access using one account just not safe.

This is a valid question... to anyone that has NOT joined the beta, can you still update your scores daily? Or is everyone forced to once a week?

For those of you comparing this to Mint.com...I left them over a year ago. They have many incompatibilities and no desire to improve it.

Mint.com has been stagnant ever since Intuit bought them 2 years ago. Intuit has no intention of continuing the development of Mint.com. They basically bought it to kill it. There is no tech support left, and they won't add basic features, such as importing your own transactions from the past if you kept track of them some other way or are able to get the data from your CC/Banks.

This, however, is obviously under active development and likely to be adding features based on user feedback and such.

Don't know.

Looks like they might be suffering from SD effect. [creditkarma.com]

Which makes me skeptical about the site (but then again, I've been skeptical about these types of services since I heard how shoddy the security was at Mint.com)....

wow ... cant handle SD traffic

http://www.creditkarma.com/error/maintenance

Scroll UP.

That seems like a ton of work. I link all my cc's to mint and check my transactions once a day. I have all my bills set to autopay so I never miss a payment and I detect unauthorized transactions within one day

Do I actually have to connect accounts to take advantage of this offer? Or just follow the "I have an existing account" link and log in?

Scheduled maintenance... SD effect!! :-D

Any point in doing this?

I prefer getting alert as txt msg to my phone on everyone of my cc transaction and my cc co. does that.

I still don't see why so many people are skittish. Start the process and if anything warrants concern, then you can cancel. They can't legally charge you for anything without explicit warnings.

Mint recently performed an update, now all my Bank of America accounts need to be re-logged in to update. Otherwise, was fine before, and Chase and mortgage update fine.

Credit Karma does soft pulls, not hard hits. This will not effect your credit score. I probably update mine once a day, and it has never negatively effected me. In fact, I had only 3 credit cards open and CK actually suggested more.

Sounds like bull sh*t, but sure enough, when I opened two new credit cards, my score jumped from 719 to 759. I also followed their advice at staying below 33% utilization and paying your credit bill immediately instead of waiting until the end of the cycle for the last 2 years.

Now I pulled my score from 719 to 781 using CK. I know this because I did my annual in 2011, and last month I just bought a home and had a hard inquiry. Scores 786 / 781 / 756.

I love both services, now CK is going to take over Mint's purpose. Good bye Mint, and right on time since BoA is broken.

Unfortunately not. Looks like a hardware failure. But the offer works fine as it is on a separate set of servers.

False advertisement... "Scheduled" maintenance... ya, right. :rolleyes:
Such a small world for such coincidences.

They make money by recommending that you get another credit card and get the commission when you do.

Also CK makes too many assumptions when they say you will save $X.XX amount by opening a new account and transferring debt to the new account.

Sure they pull an account number of sorts or some type of identifier after the first time.


I have need seen and detrimental effects of using CK. They use soft check on your report, not the hard inquiries you are thinking of.

Is Roboform's encryption strong? I never used it.

We actually have a bandwidth exceeded error page. Unfortunately, a machine died and brought this page up.

Not every company is bad or deceptive. Back-up machine is up now.

free for life time or just a few months?

I've also been using CK for about a year now.

I like how I didnt really have to enter any info and had my account info pop up.

I guess the only prob is that a CK is not actually a credit score. It just gives you an idea on how you are doing.

I have a CK account, is this even worth this "beta"?

The three accounts I've tried to add have been "connecting" for several minutes....for b of a it said avg time should have been 16 secs. I think site is overwhelmed or something.

Did anyone read the terms and conditions to see which aspects of your data they are selling and who is buying it? A useful service if you like looking at your FAKO but it's free for a reason, not out of the kindness of anyone's heart.

Thanks OP, have used both CreditKarma and MINT for a while. True, MINT has gone stagnant. ALSO the big gripe with them was THEY DO NOT LINK WITH MY CITI CARD. This sucked. I will give this a shot..

Thanks and repped!

CK is not really bringing out the REAL time data. It says there is a debt of some amount reported by TransUnion, when I pulled the report from TU, I dont see any debt.

So, I stopped using this.

Credit scores are so stupid. You want to ding me because I've not got MORE open credit cards?

BostonGirl..sounds like your self promoting here and getting paid for it...How have you had an account gor years when they are doing beta testing??? Mint.com the Original version of this copycat site came out just 3 years ago??? looks like someone is making money off of us.

Mint is really sucking lately, many duplicated transactions, accounts failing to sync and unpleasant changes to usability. I hope Credit Karma beats them with features and stability!

Errr, you DO know that DDOS-like behavior can result in more than bandwidth exceeded effects, right? Like... machine's dying.....

The bigger question is why so many TUs? Something is fishy.

I'm having the same problem. None of my accounts will connect.
Any idea what's going on with the problem mentioned above of our credit card accounts not connecting? The accounts that I've added just say "Connection issue" at the bottom.

I'd say either he's misinformed as to what a SD effect (which essentially creates a DDOS-like effect) can do on his servers, or he's misrepresenting that information.

Basically, it's suffering from the SD effect would be my estimate.

I understand it's not instant. But the data normally updates every month, even if that update is old data by the time it comes out. The point is that this month, the data did not change. According to CK, my accounts are the same age now as they were at the beginning of January. Normally they age one month, every month. It's not really germane to the CC account linking that is the topic of this thread, I was just offering it as a possible connection to the non-update that fastcar22 reported.

Agree. Banks get hacked all the time, but that would be just one account. Here you are exposing ALL OF YOUR FRIGGING ACCOUNTS!

No thanks.

I've added multiple accounts(discover/chase and some more) with no issue. My bank(a local CU that I'm surprised is even listed) won't connect, and sallie mae seems to be the biggest issue.

To those saying this is a mint copycat, you're wrong. It was a credit score estimator up front, and now they're beginning to add in other money management concepts. If an automated accountant was invented by mint, then sure, they're copying. They started with a different purpose and are adding features.

Also guys, beta does still mean something. You know, beta. Not finished, test it out, give them feedback. Want more features? Speak up. Something going wrong? Let them know so they can fix it. The only way a lot of these bugs get worked out is if they can be produced, and somethings just won't come up until you actually have some foot traffic using it.

The machine that went down was managing the data retrieval. So while the site up, the process hung. Should be back now. With that said, it can still take 2-3 minutes for some sites.

Disclaimer: Everything is dynamic.

Pageonce already does this
 

Look around for bonuses for signing up. I think there used to be something through swagbucks. I like this service. Cheers!

I'm glad that works for you, but the disadvantage of autopay for some of us is you can't actively manage your cash flow (and know in advance you may be at risk of overdraft, etc). I have a large & irregular monthly cash flow, and don't want to pay the opportunity cost of leaving enough cash in my non-investment, low interest deposit accounts to be sure I can cover whatever surprises an autopay might produce.

I also used mint right when it came out, up until a few years ago, but when my bank offered quicken online, I found that worked better than mint for me. I think the only reason mint works well for you is because you autopay (and quite frankly if you do that, you actually don't HAVE to do anything else at all). For those that don't ... if you search at mint forums you will find a number of people complaining that mint failed to produce an alert on a CC payment, seemingly at random (it could work the last 12 months without fail, and the next 12 months without fail, but for some reason one month the alert just never shows up on your account) and they subsequently got hit by late fees, interest, etc. At least a couple of those posts are by me. After the second time it happened, I decided I needed a system I could trust to ALWAYS work, not work 98% of the time.

Also, after this initial setup, I spend perhaps an hour, maybe two, a month on my system, to handle approx two dozen active accounts. I only attend to it a couple times a month, more or less at time of my convenience, up to an hour each (and actually a lot of that time is reviewing charge transaction to look for red flags that accounts are compromised). If you truly check every day, for you to spend less time than me, you'd have to be spend less than 2 minutes a day (though I'm not sure why you check every day -- seems like a waste of time given the CC fraud protection rules -- but I guess if it makes you feel better, great).

I've tried Mint before, it is okay, but not the best. I recently started using Personal Capital. It has a much better interface and dashboard. It also has a helpful 401k fee analyzer, which helped me save money by moving some of my investments to different lower cost index funds and it also gives additional suggestions based on your portfolio allocation and risk tolerance.

Try it out, the mobile app is nicer as well.

It looks to me CK stopped updating my Transunion score since last July. The new interface looks clearer though. Credtsesame seems doing a better job at updating scores.

I personally love mint.com - it has all the features I want, and they (usually) work well. Occasionally one of my accounts won't update for a day or two, but the information you can pull out of mint really is priceless.

That said, the wiki isn't for arguing. If you want to argue, do it in your own posts.

Yea I guess if you're dependent on your next paycheck to pay the bills, then autopay is not a good idea. But if this is the case, I think more than 1-2 cards is a bad idea. Btw, are you serious about opportunity cost of leaving your money in a low interest savings account? I could understand if there were savings accounts yielding 4-5% but the opportunity cost on a couple thousand bucks a month at sub 1% is nothing... You could make more on one hour of slickdealing haha

I like Mint though because it tells you how much credit card debt you have at any one time. I make sure to keep a buffer of credit card debt +mortgage in my bank account at all times. That way there is no way I can ever over draft. Didn't mean to knock your system, just seemed like a ton of work, maybe I am wrong. But with today's technologies I don't see any reason to have to use spreadsheets and things like that to manage your finances. Especially if you like to cc churn and make tax free money like me(14 cards and counting: $10k tax free and counting)

I always recommend Mint to my readers since it's budgeting tools are pretty awesome. They allow you to see exactly how much you're spending every month. And my mistake, I don't check my transactions every day for fraud. I could care less if someone steals my cc info since I know 100% that I will be re-imbursed by my cc company. I do it more to stay on top of my spending, categorize the transactions as they come in(since sometimes mint messes this up) and it's a lot easier to remember how much you spent/what/where you spent the day after than at the end of the month.

Great business model, especially in an economy where no one wants to pay for anything.

Will the info we sync with credit karma go back to TransUnion or anyone else to make those scores more accurate?

Credit Karma has always been a stand up straight shooter in my opinion. Thanks for giving me and all of us this awesome service. Having just bought a house, I did find CK very helpful. Thanks for getting on here and updating us without seeming like you're self promoting. CK is a class act and the epitome of slick deal on top of a great value.

Disclaimer: Everything is dynamic.[/QUOTE]
I believe you have to go in and manually update if you want the current score. But if you sign up for this it may auto update when you log in daily.

Anyone else having trouble linking an fiacardservices credit card? My other ones were fine, but this one won't seem to authenticate.

why is SD never down with SD effect :confused:

Personal Capital smokes Mint.com in everything other than creating a budget. If you have multiple investments(i.e. IRA's, 401K's, brokerage accounts), Personal Capital does a job superior to Mint.com in displaying the information in a quick and concise manner.


One of life's great questions!

The data will never go anywhere without your permission. Our goal is to merge the two data source and let you know of discrepancies and errors.

As for making score more accurate, it is hard to say. Regardless we are bound the first rule of not sharing your information.

just new look for me free anyway why not ;)

Hard to trust beta site/credit karma. If you have BAC account, you can create your portfolio where you can link your credit cards, investment accounts, etc and have everything in one place. Of course, it doesn't have any credit monitoring service, but I feel much secured there.

so it's sort of like Mint now, right?

You should sign up for LastPass.com You'll never have to remember individual passwords and will have much better passwords if you use it to generate passwords. Just don't forget the master password. If you do, then you're back to square one.

Just signed up. Thanks!

Agree, LastPass is the end all for password managers. I switched from KeePass to LastPass

I know many people that don't trust BofA. I noticed you identified them by their stock ticker. Do you own shares in BofA? If you do, do you use Merrill Lynch? Seems like it could be nice.

Not sure whether to trust Personal Capital giving all your financial information to use their tool?

Maybe even worse than square 1 if you use Last Pass to generate pwords for you.


That's the same issue that some have with Mint.com and all the others. It's a personal choice but the encryption on these services are the supposed to be at the highest level.

It's definitely worth weighing your options.

I owned BAC stock but sold most of them off (didn't make money but didn't loose either). I have banking relationship with BAC, so when you log into your online account, they have a facility called Portfolio, where you can link almost all or your assets and liabilities accounts and get a one dashboard view. It has worked well for me just to go to one place and see how my investments have changed every minute :-)

Looks like I already have an account. I wonder what's the 10,000 beta accounts for?

Still don't understand. What is the difference between first time and afterwards? Can you use ID other than SSN to pull? If CK doesn't need SSN, why ask for it.

How do I de-link? I don't like the idea of going through all credit cards from one website.

I'd love your feedback on the product feel free to post or send me a PM. I promise it will get read and considered.

My Accounts Link will allow you to delete any account or all accounts that you want.

I can at least tell you, that this was NOT the case for Mint.com.... Dunno if it's the case for CK, though I don't like how their founder seems to be playing the word game with the SD effect meltdown.... I know it's marketing and all, but seriously, call a spade a spade and more people will be sympathetic about it. Try to obfuscate it, and it just makes people suspicious of what you're trying to hide.

It said I already have an account too. I really don't remember signing up for CK in the past. Hmmmmm

OK, so you are smart enough to have different passwords for different credit cards. That way, if one password is compromised, not all of your accounts are compromised. Great !

Now, you go to Credit Karma and give all those passwords to Credit Karma. Now, you only have to remember only one password (Credit Karma).

Well, what if Credit Karma password is compromised?

Thanks. Jumped in!

They probably did in their growing days. I was on another deal site which experienced growing pains.

Also, it's more gradual with these deal sites, so they can see the scaling issues coming since they're dealing with a smaller increase in traffic day-to-day rather than a sudden influx of new traffic on one day.

With sites like creditkarma and smaller-end stores (which slow to a crawl), they've never had the traffic to thoroughly test their scalability, so just one mis-written query can bring their site to a halt if they suddenly see a spike of about 1000% traffic and their servers melt down....

If you knew me, you would know I'm not playing word games. I walked over to engineers and they assured me it had nothing to do with SD. I wish it was that type of volume.

I totally agree that the error page was unintentionally deceptive. I won't beat this horse any more.

I have mint, pageonce etc.
Problem is one the history.. I would like to retain all the past history and if you sign up with the new ones, the older history doesn't move over...
I do not want to maintain 3 sites.. Mint will probably add the credit score feature in the near future *I hope*
In the meantime I will log in to creditkarma once a month..

I just wanted to say, I love Calvin Klein underwears.

Thank you

Why is this a deal? Isn't Credit Karma always free?

Hi Do you know if you can opt out of storing your passwords online LastPass? I just want the passwords locally on my HD only?

You misunderstand. What I was saying is that my balance in cash accounts right now is about $75k, and my monthly cash flows can be $20k per month or more, other times around $5k. There is an opportunity cost in leaving > $20k in a low, non interst account, forget about the full $75k, when there are other liquid & relatively safe options that pay up to 2%.

That's the problem, though. We DON'T know you.

And speaking as an engineer who's had to scale things for 60M+ users, I can tell you that all the signs are symptomatic of higher traffic. I couldn't guarantee that it was the case unless I got into your error logs, but it's highly suggestive.

That said, the solution of having an error page was elegant, but as you stated, it would have been better if there had been more accurate information on the page instead of stating maintenance (though we've certainly done that in our time also).

In the end, though, I agree, this probably isn't a fruitful conversation since you seem to be more from the business side of things, in which case we're talking past each other.

No reason to believe the poster has anything to do with CK other than he says he does. I get emails daily saying a rich man needs my help with 260 million dollars....

Given his responses, it seems likely that he is who he says he is.

Except that he is feeding relevant information. I haven't seen him on here puffing up the product at all or trying to sell you anything (being that the product is FREE), instead he is answering people's questions and concerns about the new version of their product. Why would someone pretend to be with a company to offer customer service? Go through his responses and it is pretty clear he is not a troll.

I am unable to complete the profile. For some reason getting stuck on Step 2 "Tell us who you are". The social security field is inactive, and the next button either. Anybody else has the same problem?

Anybody use Quizzle?

The SSN field is inactive EXCEPT for the last 4 digits. Did you fill that part in? The next screen will ask you credit history questions only you should know..

I just signed up and I like it so far.. I'm at work, but I plan on linking all my accounts when I get home.

Anyone able to link CITI yet? Edit: or Barclay.

Edit: can't find my loan account either. Guess that's what you get with "beta" :).

It's a cool concept. Overall I like that you can get live info on your credit cards. For instance, it has updated my BCP limit to $15,000 even though my credit report still shows $5,000 (because I haven't got a statement since my latest CLI).

If I already have CK can I sign up for this any time?

Credit Karma shows that I only have 3 credit cards but I have four?

I can't link my barclay nfl card onto creditkarma

Looks nice can't beat free.

Did not try, but it linked successfully to my "test shotgun" of Pentagon Federal CU, RBS (Royal Bank of Scotland), First bankcard, and Menards.

I thought that cocktail a better quick acid test than Citi (which I would be shocked if it didn't work).

I've been with them for about 3 years not and I love them....I get monthly updates about my credit and it keeps me informed of all activity!

You may think that, but I was able to link Chase, Discover, BoA, and AMEX.

It seems to only have recently active ones I think. I have at least 30, but it only shows 16.

I just opened a barclay NFL card in my wife's name, but I haven't set it up online to test, sorry.

Anyone know? Can I link my cards at any time or will it not be free later?

anyone let me know if you linked your barclay nfl card ...

wtf 30 credit cards?????????????????????????/

You might take a look at a product called LastPass at LastPass.com; I have used it for a couple of years at least. They have a free and a paid version. There are competing products also, they all generate and remember your various user IDs and Passwords, so basically you only have to remember one password, which unlocks the "vault" that contains all the others.
Good luck.

Did anybody get this message:

We're sorry, but there is insufficient information in your credit file from which to verify your identity. Unfortunately, we will not be able to grant you access to Credit Karma at this time. Please see below for more details on how you can help us verify your identity.

They required 2 form of id's.

What I meant is that those are all common providers that I've never had problems with (at mint or quicken online). In my fistful of cards, it's the other ones I listed that have challenged aggregations sites.

I was testing its breadth of implementation. I wasn't doubting it was not already minimally competent. At this point I don't want to set up all the rest because I will evaluate things more first before I go and connect everything.

I used to have 50, about a decade ago. Unfortunately many auto-closed due to inactivity.

I agree with you that it is odd I can't connect CITI, Barclay, or AES Loans, and you were able to connect a bunch of smaller stuff. I'm copying info directly from LastPass so I know I'm giving CK the right info, as well as verifying the sign-in url. Could be a problem on my end related to cookies or something, idk.

lol my goodness

im only 19 and i have only 3lolol

ill be opening more as soon they offer more sign up bonuses

I think there are just some connection issue as this is a Beta. Some of my big accounts aren't connecting correctly, but it is telling me to try again later, not a credential error. I figure I will give it a couple days and try again.

barclays cards are not getting added. tried both blackcard and delaware

They said they never plan to charge, I think this is simply to get in on the Beta early. I had a CK account and still took advantage of this to go ahead and make the switch now. Just click the button that says you already have an account. If you want to wait until it is out of Beta, it will still be a free service from the representations CK has made.

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 haven't been able to get my student loans to link either, but everything else has done just fine. I assume that might be a section they are still working on so I am going to just wait a couple of days.

CITI and AES should be working. Try again and if you still have problems, PM me and I'll walk it over to an engineer.

Why should I trust you with this information?

With what information? No personal information was asked. He is simply saying to try to connect the accounts again on CK. If it still errors he will walk the error code over to the engineers.

You're obviously too neanderthal to understand my question.

Yes, I was entering the last four digits only, and the next button was still inactive. I tried it now again, and it worked. Must have been some glitch on there side.

Don't blame me for your lack of reading comprehension

Well, trust should be earned and not freely given. Through the 5 years of our existence, we have hopefully done everything that we said we would:

• Always Free
• Never Share Member Data
• Ensure High Levels of Security
• Never Spam Our Members

Hopefully by giving us the data, it make your life a bit easier. Our tools are meant to help educate, simplify, and even save money. If you don't see that happening with our service, then you shouldn't give us your data.

So when I try to link Citi it says

"An unknown error has occurred. Please try refreshing or changing your details."
with these as the new blanks

###### (random 6 digit number):
######-1 (six digit number from above - 1):

Same thing with AES Loans, except 5 digit numbers I think.

Somehow I was eventually able to get Citi to update anyway, it just let me drag my account onto it. But I can't update it or anything.

Same random number stuff w/ Barclay as well. Actually w/ barclay I get to the security questions but after I answer them it still doesnt connect

kohls charge and amazon store card does not seem to work

How do you provide specific offers to members if you do not share member data?

Never share member data to third parties.

I also can't add my FIA card.
I got my other accounts added but can't get my FIA Card Services card added. The problems that CreditKarma had actually got me locked out of my account and I needed to call to get it reset. Even after the reset I tried with CreditKarma one more time and it still won't add. I'm not sure if it has to do with the extra security question(s) FIA asks you to answer if it doesn't recognize the computer you're logging in from.

Well reading all this, just decided to try one of my Citi cards. It doesn't work for me either.

No luck on Citi.. had issues with Mint before. I only use that card periodically to keep it from being closed out anyway. Their rewards suck compared to Chase and Discover.

You need lastpass.

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.

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).

Agree.
FYI TransUnion does not offer FICO score. The score they sell is just as FAKO as the one CreditKarma provides. So the question is where did OP get their TransUnion FICO?

Cannot connect to AmEx or PenFed

nvm..

Lol. FICO sells FICO scores. You can buy a TransUnion FICO or an Equifax FICO.

The FICO scores they sell you aren't necessarily the ones lenders look at either. They offer dozens of different scores to lenders, all with the information weighted differently for different purposes. It's up to each individual lender, mortgage provider, cc company to decide which FICO they look at.

CreditKarma gives you a "FAKO" based on your TU report. It's not the same score you'll get from FICO, but gives you an idea of where you are at, and in what direction your scores are trending.



The *TRUE* slick deal on FICO scores is the Walmart Store Card (not the credit card). They'll give you a FREE Transunion FICO score every month if you sign up for electronic billing.

:D

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

I just connected my AMEX

Comeon.... Gimme a $20 Amazon gift card and i'll register even my friends card:bounce:

Lol what? I repeat - TransUnion does not sell FICO score.
Is there something wrong in that statement?

Is this a serious question or are you just trying to be difficult? There is always risk. Why should you trust anyone with your information? Because the benefit you get outweighs the potential risk. If it doesn't for you in this case then don't do it.

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.

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/

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.

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.