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Tue Sep 23, 2014, 10:37 AM

what's the best place to view my credit history??? is Credit Karma a good source?

thank you

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Reply what's the best place to view my credit history??? is Credit Karma a good source? (Original post)
a kennedy Sep 2014 OP
sharp_stick Sep 2014 #1
a kennedy Sep 2014 #2
dr.strangelove Sep 2014 #3
dixiegrrrrl Sep 2014 #4
dixiegrrrrl Sep 2014 #5
a kennedy Sep 2014 #7
TacoD Sep 2014 #6
a kennedy Sep 2014 #8
LiberalElite Sep 2014 #9

Response to a kennedy (Original post)

Tue Sep 23, 2014, 10:53 AM

1. I like Credit Karma

the numbers seem to be pretty much in line WRT the credit score from each agency. You can get a free full credit history without score for free each year from the links at the following.

http://www.consumer.ftc.gov/articles/0155-free-credit-reports

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Response to a kennedy (Original post)

Tue Sep 23, 2014, 12:25 PM

2. Yah, thought that too....

And thanks for the response.

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Response to a kennedy (Reply #2)

Tue Sep 23, 2014, 12:41 PM

3. For NY residents, we get free reports from the reporting agencies annually

I spread them out and use them. Maybe your state has something similar.

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Response to a kennedy (Reply #2)

Tue Sep 23, 2014, 01:22 PM

4. I get my free reports from the 3 credit agencies by

asking each one every 4 months....
So..Transperian get asked in Jan.
and Equifax is asked in May, etc.
That pretty much covers the yearly timeline.

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Response to a kennedy (Original post)

Tue Sep 23, 2014, 01:28 PM

5. btw...here is a report on teh difference between Credit Karma and another free score site:

One canít help but ask what are the differences between Credit Karma and Quizzle. The most significant difference between the two is the credit agency they use to create your score and report. Quizzle makes use of the credit agency Equifax, while Credit Karma makes use of the credit agency TransUnion. Since each of the three credit reporting agencies (Equifax, Transunion and Experian) are different, what their scores and reports contain can be different from the others.

Another difference between Credit Karma and Quizzle are the types of credit scores each provides. Of the two, Credit Karma offers consumers four scores (TransRisk Score, TransUnion Home Insurance Risk Score and TransUnion Auto Insurance Risk Score and VantageScore) while Quizzle only offers the VantageScore through Equifax. All these scores from both companies are FAKO scores.

Both companies also offer free credit reports, but again, these are from different credit reporting agencies. Consumers get their credit report from TransUnion when using Credit Karma, and it can be accessed as often as once a week. Consumers get a report from Equifax when using Quizzle, but can only have access to it every 6 months.

Of the two companies, Credit Karma is generally regarded as having the better combination of credit tools and access to the scores and reports, but a lot depends on the consumerís individual needs. It also depends a lot on which credit bureau they want to see the information obtained from
(Experian free credit score information can be found at Credit Sesame).
While in general terms the two companies appear to be almost the same, there are some key differences which favor Credit Karma over Quizzle for many people.
http://www.savingadvice.com/articles/2014/09/22/1028332_credit-karma-vs-quizzle-free-scores-reports.html

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Response to dixiegrrrrl (Reply #5)

Tue Sep 23, 2014, 04:09 PM

7. This is very interesting......

Thank you for this information.

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Response to a kennedy (Original post)

Tue Sep 23, 2014, 01:41 PM

6. Official annual credit report site sponsored by Federal Government

www.annualcreditreport.com

There are a lot of imitators, don't be fooled.

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Response to TacoD (Reply #6)

Tue Sep 23, 2014, 04:11 PM

8. Forgot about this one.....

I'll look into this one also. Thanks.

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Response to a kennedy (Original post)

Tue Sep 23, 2014, 08:47 PM

9. I've only used Credit Karma -

and I like it.

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