Post # 1
I’ve been reading on credit karma.com and it seems like a pretty straight-forward way to get a credit report with no strings attached. Has anyone used this? What is the rule for checking/monitoring your credit personally/online? Does it hurt your credit to look at your score personally?
Post # 3
Credit Karma isn’t your real score. It’s basically a best guess using the data that is reported to transunion. No it will not ever hurt to look at your score, only if a company pulls a hard pull (ie you apply for credit).
Post # 4
I’ve used it its great for getting an idea of how things are going.
Post # 5
@MrsDrRose612: You are allowed one free credit report with each agency free…it’s the law. Go to Annualcreditreport.com . Oh and it doesn’t hurt or count against you if you check you credit. You do have to pay to see your credit scores
Post # 6
I use credit karma and I think it is a great service. It will not harm your credit, but it gives you a great idea of what is going on with your credit.
Post # 7
I’ve been using credit karma for over a year – it’s really helpful!
Post # 8
I agree Ms.BlueEyes- get a free report from annualcreditreport.com. From that site you select from one of the 3 major credit bureaus. We just did this ourselves an hour ago- totally free and easy. The only thing you don’t get is the credit score (cost $7.95) which was fine because I was just checking for identity theft.
Post # 9
@Ms.BlueEyes: I agree, that is the only place to get all three credit reports. Most lenders use the FICO score, which you can only get by paying on myfico.com. The other sites use Vantage scores and other things like that which are on a different rating scale and usually not what the lender sees.
Post # 10
I use Credit Karma all the time. Well I did this past year as I was preparing to buy a house. Its not the real credit score, but more of a ballpark best estimate kind of thing. It was helpful for me to keep track of my credit and make sure it was going in the right direction. I checked the real scores prior to getting my pre approval. But I like Credit Karma because its free and you can check it as often as you like.