CREDIT KARMA

[Chuck A]

Has anyone tried this and what do you think of it?

[lander]

I hear it's a bitch.

:leaving:

[Datawiz]

:bigears:

[Chuck A]

i want to check my credit but i am thinking if this is a fishy thing

[lander]

Get My Free Credit Report | Federal Trade Commission (http://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report)

[Jeff '79]

:iagree: Just contact Equifax and Experion directly and get one for free directly from the source.
By law, you are eligible for one per year free.
To hell with the middle man.
Those two bimbos on the Karma commercial are dumb as stumps....

[Chuck A]

:iagree: Just contact Equifax and Experion directly and get one for free directly from the source.
By law, you are eligible for one per year free.
To hell with the middle man.
Those two bimbos on the Karma commercial are dumb as stumps....

how?

[Jeff '79]

how?

Open the link in post 5 and just call that number. All 3 will be sent to you for free. Serioudly

[Chuck A]

Open the link in post 5 and just call that number. All 3 will be sent to you for free. Serioudly

is it legit?

[Jeff '79]

is it legit?

I can see how you'd distrust a .gov agency, but, ya, it's legit... It's an FTC website:Jeff '79:

[Chuck A]

I can see how you'd distrust a .gov agency, but, ya, it's legit... It's an FTC website:Jeff '79:

yes , yes and yes, have you tried it?

[lspencer534]

I can see how you'd distrust a .gov agency, but, ya, it's legit... It's an FTC website:Jeff '79:

Remember it's one free credit report per year. Stagger them every 6 months so that you'll get all of them free.

[Jeff '79]

yes , yes and yes, have you tried it?

Yes, I have and my line of work is running and analyzing personal and commercial credit all day long.
If someone does not like my decision, that's the number that I refer them to, as it's against the law for me to discuss what is on an individual's credit report.

[Chuck A]

all good i am at Excellent

[Steve Austin]

The government required report is free but it will not get your credit score. Thats a different thing.

[Datawiz]

Get My Free Credit Report | Federal Trade Commission (http://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report)

does not include your score.

[Jeff '79]

Remember it's one free credit report per year. Stagger them every 6 months so that you'll get all of them free.

No, it's one from each one every year

Experion, Trans Union, and TRW

[Jeff '79]

does not include your score.

Hmmm... Now that I did not know. I run my own at work so I have not got those in quite some time.
When I run an Experian, it shows the credit score so I wonder why it does not show on those.

[Datawiz]

Hmmm... Now that I did not know. I run my own at work so I have not got those in quite some time.
When I run an Experian, it shows the credit score so I wonder why it does not show on those.

:seasix:

[Chuck A]

has anyone used these sites, be truthful please, we dont bite

[Steve Austin]

Ive gotten reports from TRW and Experian. Once when some repo guy knocked on my door one Sunday night to pick up a car I never bought. Turned out to be a right name wrong guy thing. I just checked to be sure nothing was showing on my report. Way more info than I expected. No score though.:cert:

[Rob]

I looked once about 8 years ago. I would imagine it has not changed since then.

[Aerovette]

I have credit Karma. The only downside is that it is a single score and it is Transunion which is typically a higher score because it uses a different system to determine the score. You can use it as a way to monitor changes etc but the number will mean little.

[...Whitepower...]

Just had my credit pulled last week when I got the truck. Their was a disclosure showing me what my score was. I'm guessing this is now a GA law... Anyway my score was good enough for them to take my word on my income, finance it under my biz with me as a PG, not put anything down, and finance a 3 year old truck at 2.1%. :)

[Millenium Vette]

does not include your score.

Unless it has changed, you can pay a fee after you get your credit report to see your score.

[SnikPlosskin]

Ask your banker to pull your score as a favor. :seasix:

[Aerovette]

Just had my credit pulled last week when I got the truck. Their was a disclosure showing me what my score was. I'm guessing this is now a GA law... Anyway my score was good enough for them to take my word on my income, finance it under my biz with me as a PG, not put anything down, and finance a 3 year old truck at 2.1%. :)

Scores depend on what you are buying. Different weight is applied to different areas depending on whether it is a loan, a mortgage, a car, etc.

The actual numbers are "somewhat" meaningless. A 720 or a 750 etc is not as important and a 520 vs 720 although there are "break" points. The change in the numbers is all you can really monitor. Also, what you see is not the same as what a mortgage company sees.

[Craig]

I have credit Karma...

I've also used Credit Karma. Nothing wrong with it. Clark Howard endorsed.

[DAB]

My visa and discover cards tell me my FICO score each month.

[VetteBoy1979]

I signed up before purchasing our last car. Worked ok so far.

[Chuck A]

thanks

[Chuck A]

My visa and discover cards tell me my FICO score each month.

yea mine also but wasnt really sure if that is what the bank sees though

[Ol Timer]

I rely on the 2 tier system: I just keep charging stuff and if the purchase goes through, that's the good tier. If I get rejected, that's the not-so-good tier. I don't need no stinking' score!

[Mike Mercury]

https://i.imgflip.com/8wwca.jpg

[Mike Mercury]

girl on left:
"do you shave your legs, underarms, or even wear panties?"

http://i.ytimg.com/vi/nrnKl2FUeoI/hqdefault.jpg

girl on right:
"heavens no"

[onedef92]

Marissa Talks to Websites - Credit Karma Commercial - YouTube

I like the two hussies in thier commercial.

[Craig]

https://i.imgflip.com/8wwca.jpg


Yes

[PagsC5]

Go to www.annualcreditreport.com

I've used this site for 5 years now, it won't give you your credit score, but it will give you a free credit report once a year from the top 3 credit bureaus Equifax, experian, and trans union I believe. For my actual number score just use my discover card credit tracker. Haven't had my identity stolen yet lol

98 C5; 701rwhp, America! F**k Yea

[PagsC5]

Or I guess you could walk into any car dealer and act like you want a car, have them pull your score for free, and then just leave lol

98 C5; 701rwhp, America! F**k Yea

[LATB]

Recently pulled mine.

810 :D

[mrvette]

Ive gotten reports from TRW and Experian. Once when some repo guy knocked on my door one Sunday night to pick up a car I never bought. Turned out to be a right name wrong guy thing. I just checked to be sure nothing was showing on my report. Way more info than I expected. No score though.:cert:

Must have been another Steve IN Austin.....they got confused.....:rofl:

[Chuck A]

Recently pulled mine.

810 :D

wow thats great score

[Aerovette]

766 but mine got hit hard because of a stupid move on my part. I closed a bunch of old accounts and took a heavy hit for it. I crushed my average age of accounts.

[Chuck A]

766 but mine got hit hard because of a stupid move on my part. I closed a bunch of old accounts and took a heavy hit for it. I crushed my average age of accounts.

it takes a longtime to bring it back up, thats the sucky part

[Aerovette]

it takes a longtime to bring it back up, thats the sucky part

I remember being in the 500s :yesnod:

It took about 6 years to dig out of the hole I was in. It takes very little time without a job to wreck everything. :yesnod:.

[Chuck A]

and mine is 769 which is Excellent

[Fastguy]

As mentioned, that FTC website will give one a year for free, no scores. You stagger it every four months and you will always have access to a free report.
FICO scores pulled by insurance companies and most other lenders differ in the fact that they don't consider unpaid medical bills. Mortgage lenders use the strictest FICO which includes unpaid medical bills. I haven't had anyone come in with a credit karma report to compare to an actual FICO report but their website said it includes four scores. That seems odd since there are only three repositories, unless it's giving a non-FICO score like a vantage or Trucredit score. The free score on the Discover card is pretty close from what I have seen.

[Chuck A]

As mentioned, that FTC website will give one a year for free, no scores. You stagger it every four months and you will always have access to a free report.
FICO scores pulled by insurance companies and most other lenders differ in the fact that they don't consider unpaid medical bills. Mortgage lenders use the strictest FICO which includes unpaid medical bills. I haven't had anyone come in with a credit karma report to compare to an actual FICO report but their website said it includes four scores. That seems odd since there are only three repositories, unless it's giving a non-FICO score like a vantage or Trucredit score. The free score on the Discover card is pretty close from what I have seen.

yes i am also going on what my cc is saying:seasix:

[Fastguy]

Even if you do get a score (we ordered both mine and Amanda's before buying the house) the bank uses a different one anyway. :slap:

It cost us points to jointly buy the house because her score was, I shit you not, 1 point too low on the low end. Her highest? Higher than mine. :kick:

I hate banks, and I hate "credit scores".

I see that every day. The scoring system is far from perfect and some days it drives me crazy.
In general, on conforming mortgages, 740 and higher with 25% equity is the cut off for A+ rates. As the scores drop, there is a change in the rate/fee structure for every 20 points. Once you are under 620, you are no longer eligible.
The difference between 679 and 680 is substantial.
If you image search loan level price adjustments, you'll see what I mean.

[Chuck A]

Even if you do get a score (we ordered both mine and Amanda's before buying the house) the bank uses a different one anyway. :slap:

It cost us points to jointly buy the house because her score was, I shit you not, 1 point too low on the low end. Her highest? Higher than mine. :kick:

I hate banks, and I hate "credit scores".

me too, i constantly keep getting letters mailed to me from banks all of a sudden about refinancing and crap, i guess because me and the wife decided to i crease paying our mortgage quicker, we will be saving over 36 k in interest , yea i am cool with that, rather me and the wife have the cash instead of the bank

[Thunder22]

Ask your banker to pull your score as a favor. :seasix:

THIS^

I can call my bank's mortgage customer service group and they'll usually pull my score if i ask nicely.

[Aerovette]

THIS^

I can call my bank's mortgage customer service group and they'll usually pull my score if i ask nicely.

Use caution. Credit Karma pulls are soft pulls. I would be willing to bet bank pulls are hard pulls.

[Thunder22]

Use caution. Credit Karma pulls are soft pulls. I would be willing to bet bank pulls are hard pulls.

Yes, you have to be careful and ask first. Good advice.

My bank's are "soft" and have no effect on my credit score, which when I checked last year was 820ish.

[Aerovette]

Yes, you have to be careful and ask first. Good advice.

My bank's are "soft" and have no effect on my credit score, which when I checked last year was 820ish.

:seasix: Wow. That's my goal....someday

[DAB]

800+

It bounces around month to month. :shrug::DAB:

[Thunder22]

:seasix: Wow. That's my goal....someday

I put everything on my credit card and pay it off in full every month. I'm OCD about it, can't stand carrying any debt that's not absolutely necessary, like a mortgage or maybe a car loan. When I asked for the rep to check my score last year she started laughing and said "I've never seen one this high before", but I know she was just flirting with me, high scores turned her on lol :rofl:

[DAB]

"Wanna come up and review my credit score?"

[Chuck A]

Yes, you have to be careful and ask first. Good advice.

My bank's are "soft" and have no effect on my credit score, which when I checked last year was 820ish.

nice yes very nice, indeed

[Chuck A]

how may points is a hard hit?

[Chuck A]

well i finally got my credit checked it was 825 but on credit tracker for my bank it says 769 ? wonder why the big number difference, and damn do these Car Dealer seemed surprised, and when i told them how much i made they seemed astounded. like they actually said can this be verified, of course it can, i guess since i wear sweat pants and talk like a person who doesnt give a SH_T , they thought i was poor, yes i was profiled
on my 7th heineken by the way:yesnod::datawiz:

[Chuck A]

oh by the way the SUV came out to be total 23k , when i told them would cash be acceptable they looked at me like i had 2 heads, of course they needed to check my credit which was EXCELLENT.

[Aerovette]

oh by the way the SUV came out to be total 23k , when i told them would cash be acceptable they looked at me like i had 2 heads, of course they needed to check my credit which was EXCELLENT.

Credit check for a cash purchase? :confused5:

[Chuck A]

Credit check for a cash purchase? :confused5:

they asked that i dont do the cash thing so i put 10k bank check and the rest finance at 3.8

[Datawiz]

they asked that i dont do the cash thing so i put 10k bank check and the rest finance at 3.8

3.8 is price gouging right now.

[Chuck A]

3.8 is price gouging right now.

i thought that was good, it doesnt matter i am paying it off quicker, they gave me 72 months to pay it off

[Datawiz]

i thought that was good, it doesnt matter i am paying it off quicker, they gave me 72 months to pay it off

Current rates are in the high 1's

[Chuck A]

Current rates are in the high 1's

in NY? For a 2013? because if you know something i maybe kicking someones ass in the Dealer

[LisaJohn]

They ran your credit for a cash purchase and then you got a 72 month loan @ 3.8%?

[Chuck A]

They ran your credit for a cash purchase and then you got a 72 month loan @ 3.8%?

yea they said that would be the best, meanwhile i just wanted to buy the suv outright, is their something wrong with that, help is appreciated:seasix:

[LisaJohn]

$1575 interest approximately.
Interest rate at my credit union is 1.75.

[Datawiz]

in NY? For a 2013? because if you know something i maybe kicking someones ass in the Dealer

Where you buy the car has no bearing. Where the money comes from is everything. Currently my credit union offers 1.99 on new, and 2.24 on used. When we got G's Subaru, I got even better than my credit union's new car rate through Chase.

[Chuck A]

$1575 interest approximately.
Interest rate at my credit union is 1.75.

NY sucks which ends up that i will pay 2300$ interest, is their a way you can check NY?

[Datawiz]

NY sucks which ends up that i will pay 2300$ interest, is their a way you can check NY?

My CU's rates are their rates. If you borrowed from them, and had the proper credit score, that's what you'd pay.

[LisaJohn]

I just looked at my credit unions website for current new car loan rates. 1.75 is their best rate for someone with excellent credit. The rate at the credit union can increase depending on your credit score. I think 2.24 was maybe the highest rate.

[Chuck A]

My CU's rates are their rates. If you borrowed from them, and had the proper credit score, that's what you'd pay.

MFERS!!!! i will keep you informed we got the credit from Valley National Bank in NJ, are these guys/bank legit?

[Chuck A]

I just looked at my credit unions website for current new car loan rates. 1.75 is their best rate for someone with excellent credit. The rate at the credit union can increase depending on your credit score. I think 2.24 was maybe the highest rate.

WTF:confused5: Why did i get such a crappy interest rate then?

[Datawiz]

MFERS!!!! i will keep you informed we got the credit from Valley National Bank in NJ, are these guys/bank legit?

I have financed 4 cars through them.

https://www.gtefinancial.org/

:seasix:

[LisaJohn]

Do you have three business days to change your mind if you find a better interest rate or choose to pay cash?

[Chuck A]

I have financed 4 cars through them.

https://www.gtefinancial.org/

:seasix:

I will be calling tomorrow and will let you know WTF i am getting robbed for, so let me ask you this question sorry to bother you, but with a credit score of 825 i should be getting a 1.25 or lower? remember this is for NY,:yesnod:

[Chuck A]

just checked my score freaking bank and car dealer both did credit checks and my credit went from excellent to good, WTF, WTF WTF, very pissed off indeed, what will bring it up again, i plan on paying this off instead of 6 in less that 1 year, will that help bring my credit back up?

[Steve Austin]

Friday I went to the credit union to ask about financing for a car. Never knew my score until now. What a joke. I have almost no income but my score is 786. I have no idea haw they can use the score to determine ones ability to make payments on a loan. I do know they are willing to loan way more than I could pay back.:willy::willy:

[Aerovette]

just checked my score freaking bank and car dealer both did credit checks and my credit went from excellent to good, WTF, WTF WTF, very pissed off indeed, what will bring it up again, i plan on paying this off instead of 6 in less that 1 year, will that help bring my credit back up?

Hard pulls stay on for 2 years. See if you have any that are about to drop off. You should always ask if it is a hard or soft pull.

[Chuck A]

Hard pulls stay on for 2 years. See if you have any that are about to drop off. You should always ask if it is a hard or soft pull.

Yes it was a hard pull anytime you borrow a lot of cash, but i didnt know it would lower my score that much, aww well, thanks

[Chuck A]

Friday I went to the credit union to ask about financing for a car. Never knew my score until now. What a joke. I have almost no income but my score is 786. I have no idea haw they can use the score to determine ones ability to make payments on a loan. I do know they are willing to loan way more than I could pay back.:willy::willy:

yea that is weird:confused5:

[MrPeabody]

just checked my score freaking bank and car dealer both did credit checks and my credit went from excellent to good, WTF, WTF WTF, very pissed off indeed, what will bring it up again, i plan on paying this off instead of 6 in less that 1 year, will that help bring my credit back up?

There's an asshole car salesman in my town who will run your credit app through about 40 lenders after you don't buy a car from him and leave. I've seen it happen many times when the customer would come to my lot next. That should be illegal.

Friday I went to the credit union to ask about financing for a car. Never knew my score until now. What a joke. I have almost no income but my score is 786. I have no idea haw they can use the score to determine ones ability to make payments on a loan. I do know they are willing to loan way more than I could pay back.:willy::willy:

I know what you mean. I have household income, but personally I have zero income. My credit score is above 750.

[Steve Austin]

yea that is weird:confused5:

I just think it is a flawed system. I have very little income but no debt. Seems to be based on debt/income ratio. Actual income, not so much. ( I do have assets though)

[Chuck A]

I just think it is a flawed system. I have very little income but no debt. Seems to be based on debt/income ratio. Actual income, not so much. ( I do have assets though)

so why did they ask me how much i mad yearly and when i told them they were WOW, and if i had known about the credit check lowering my number i would have paid all cash instead of borrowing, they actually wanted me to borrow all the cash:issues:

[Steve Austin]

so why did they ask me how much i mad yearly and when i told them they were WOW, and if i had known about the credit check lowering my number i would have paid all cash instead of borrowing, they actually wanted me to borrow all the cash:issues:

No clue. I have not applied for credit since '98 I think. I am sort of out of touch on how the whole thing works. I would not lose sleep over it. Just make informed decisions in the future . :cert: :cert:

[Chuck A]

No clue. I have not applied for credit since '98 I think. I am sort of out of touch on how the whole thing works. I would not lose sleep over it. Just make informed decisions in the future . :cert: :cert:

:seasix::seasix::hurray: