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Thread created 03-08-2013 by harry101us
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Each credit reporting agency has a FICO score (which is used by banks and lenders for credit) and an external score for consumers (referred to as FAKO). In addition there's separate calculation...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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So the score by credit karma is similar to the blood pressure machines in pharmacies? Not extremely accurate readings, but close enough. While the real fico score is like getting your blood...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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It's a free service, you don't like it - move on. Why did you even bother to register if it's useless?
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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I don't understand the complaints. What reason would anyone have to want to check their credit score every day, or even more than once a week for that matter?
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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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...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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I signed up for it in the past. I have linked my different credit cards and bank accounts. Initially I wanted it because of its "credit monitoring" advertisement, but in all reality it's like a week...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
+14 Score
51 Replies
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There are two types of people I try not to argue with: idiots and trolls. Not sure which one you are but it doesn't really matter.
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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This is great! Thank you for this find!!!!!!!!!
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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Awesome, signed up myself and my wife.
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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Really, y'all need your score (or indicator of one of your scores) updated more than once a week?
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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Sorry but i still don't understand. Are you saying that they claim it is actual transunion score but in reality it is not?
If i go to transunion.com and order the score will it be different from...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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People just like to whine. Maybe CK should give everyone an "update" button that does absolutely nothing in the background but displays a nice message saying "your score has been updated, there were...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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Repped for being smart and not a tool. People need to understand their credit score isnt updated constantly like that. It isnt a damn stock. I wouldn't bother updating it more then once a month...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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Did I ask you for opinion? no. So dont read if you dont like it
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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Yeah, i cancelled my account with them after the beta fiasco.
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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More like a general "ball park" figure. Only way to get an accurate score is find a way to get the FICO score from each CRA. All the stuff you see is just a general guess-estimation; some use...
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Thread created 03-08-2013 by harry101us
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Wishing I hadnt changed over to beta. Removes manual refresh and no way to go back.. :-(
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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Please disconnect yourself from the Internet immediately and never come back. Thanks.
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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I just signed into my CK account, and apparently they automatically put me on the beta?? I didn't click ANYTHING to do with it, but now it's telling me my next score update will be "available March...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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It doesn't lower your credit score. The only thing that lowers your credit score is when you are looking to get more credit. If someone queries your credit score ( soft pull ) for other reasons, like...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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I think I got in the beta in the first round, not sure how long ago it was. And while they don't update your score every day, I do believe they monitor your credit for changes every day (I hope they...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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I still can manually refresh credit score.
I guess mine is old version. ;)
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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yeah I said I can not manually refresh it. lol.. read!
seems like it.. I miss old version.. :(
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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A month ago was before beta no? They updated me very quickly before their beta program.
Otherwise, I don't know what the issue was for me because they didn't alert me and said my credit score would...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
14,974 Views
Thanks OP
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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is this for life...or like 1 year trial
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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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...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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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...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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They never claimed their scores were accurate. They calculate them based on what they know about you and give you a best estimate. Also, note that the three credit bureaus calculate the scores...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
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DO NOT UPGRADE TO BETA, you'll lose the ability to refresh/update your score whenever you want. Beta limits you to once a week.
YOU'VE BEEN WARNED!
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
+14 Score
51 Replies
14,974 Views
3,172 of 5,000 at this time. 10:00AM EST...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
+14 Score
51 Replies
14,974 Views
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...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
+14 Score
51 Replies
14,974 Views
It was free with BOA. Atleast you can meet a real person if something goes wrong.
https://www.bankofamerica.com/onlinebanking/online-financial-management-faqs.go
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
14,974 Views
Normally Credit Karma offers you daily credit updates using their in-house algorithm.
So after upgrading you can only update your score 1/week not 1/day ... why is that ? Do they provide you with...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
14,974 Views
Quit complaining, it's free! Do you guys have a better free alternative? I find this very useful for growing my credit score, obviously it's not going to be accurate, how can it be accurate without...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
14,974 Views
I'm not sure why you would call it a fiasco. Many users didn't realize that you had to hit the update button. As a result, their scores weren't being updated
The new site pulls it automatically if...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
14,974 Views
I disagree. So, 2 days ago I applied for the Bank of America Better Balance Rewards card that you may have seen advertised on slickdeals. I got approved immediately. Credit Sesame notified me later...
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
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51 Replies
14,974 Views
Anyone know how to get a free credit score if you have a security freeze on your credit?
Credit Karma Beta for free, includes credit monitoring, bill alerts *its Back* for 5000 activations
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Thread created 03-08-2013 by harry101us
+14 Score
51 Replies
14,974 Views
Thanks.
Wow way to much information for me. This whole score system is crazy. Really no need to be that complicated. This is the first time i heard about two different scores( one for banks and the...
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