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Credit Card Scores

C

Carta

TUG Member
Joined
Jul 5, 2005
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Location
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I always see these websites on tv to get your free cc score...Do u use any? If so, which one? Thx
 
Credit Karma


Sent from my iPhone using Tapatalk
 
Are you taking about credit cards that give you your credit score, or free credit score websites such as Credit Karma and Credit Sesame? The important thing to note is that the scores that any of these such services provide might not be your FICO score, which is what is used by many lenders. These services use their own formula to come to the score that they provide. Probably still a decent indicator of your FICO score, but not the same thing.
 
You can check your credit reports once a year for free. you don't need to pay for a service.
 
VegasBella said:
You can check your credit reports once a year for free. you don't need to pay for a service.
Click to expand...

But annualcreditreport.com does not give you your credit score for free.
 
My Cap One card allegedly has a 'click here' for your free FICA score. I guess I looked at it once but since I am far beyond the acquisition phase of life, and the number was pretty northerly, I haven't revisited it.

Jim
 
My Discover and American express will show it to me for free anytime I want to see it when I am logged into my accounts.
 
presley said:
My Discover and American express will show it to me for free anytime I want to see it when I am logged into my accounts.
Click to expand...

Mine too. I also use Credit Karma which will send you notifications if anything in your history changes. It's a free service (lots of advertising, but it's not annoying and I don't get any email spam). I have found it to be easy to use and reliable.
 
Another Credit Karma user. When I bought a new vehicle in July, I told the guy that I had a certain Credit Card Score, and he told me I lied - it was 30 points higher since it was not one of the 2 that always pop up on Credit Karma. :)
I have not checked with my Cap One, guess I should.
 
pittle said:
Another Credit Karma user. When I bought a new vehicle in July, I told the guy that I had a certain Credit Card Score, and he told me I lied - it was 30 points higher since it was not one of the 2 that always pop up on Credit Karma. :)
I have not checked with my Cap One, guess I should.
Click to expand...

If he told me that I lied, I would have killed the deal right there. Credit Karma has my score at 826 which is the same as my Credit Union.
 
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