Credit Karma...

[black2002ls]

Same here. Basically using it for monitoring. I really don't like credit sesame much. It doesn't show you near as much information as credit karma.

They pull from two separate bureaus. One is Transunion and one is Equifax, you may not have the exact same items on both reports.

Both credit karma and credit sesame are quite accurate in my case. Noth being within +- 10pts of my Fico score.

[D. Lil]

For me as well. Pretty accurate on the financial tracking of my loans, too.

And I really don't give two flips about my credit score. I just use it mainly to make sure no new accounts pop up.

And Credit Sesame is the more annoying of the two. It truly exists to try and tempt you to get a new credit card or refi a loan.

Same here. Basically using it for monitoring. I really don't like credit sesame much. It doesn't show you near as much information as credit karma.

[chronical]

Credit Sesame has me 90 points higher than Credit Karma. Lol, thanks guys.

Experian vs Transunion. And both those scores are worthless.

[helosailor]

Credit Sesame has me 90 points higher than Credit Karma. Lol, thanks guys.

[chronical]

I forgot about discover... it really does, but makes you wonder if it's accurate...

It is accurate. You have a fantastic credit score (perfect actually). Excellent job sir

[Roscoe]

Nope. And I know you don't know me so to help give you a little more faith, many card issuers such as Discover, Barclays, and walmart give you a free fico score each month as a benefit of being a card holder. That wouldn't be a very good bonus if folks were getting dinged an inquiry once a month.

I forgot about discover... it really does, but makes you wonder if it's accurate...

[GhostTX]

I have used credit karma for at least a year as well as credit sesame. Combined it allowed me to monitor 2 out of the 3 bureaus for free. I check my report for free annually and everything credit karma has reported has been accurate.

For me as well. Pretty accurate on the financial tracking of my loans, too.

And I really don't give two flips about my credit score. I just use it mainly to make sure no new accounts pop up.

And Credit Sesame is the more annoying of the two. It truly exists to try and tempt you to get a new credit card or refi a loan.

[chronical]

Cool, thanks. I thought anything other than a 3rd party pinging your credit for offers was considered a hard inquiry.

Nope. And I know you don't know me so to help give you a little more faith, many card issuers such as Discover, Barclays, and walmart give you a free fico score each month as a benefit of being a card holder. That wouldn't be a very good bonus if folks were getting dinged an inquiry once a month.

[Roscoe]

You are not given a hard inquiry to pull your own report or buy your own score.

Cool, thanks. I thought anything other than a 3rd party pinging your credit for offers was considered a hard inquiry.

[chronical]

My wife has received the same bogus emails from credit karma. I just pulled her's on myfico, on your recommendation, and it's exactly where we thought it should be so, thanks for the heads up.

I'd like to pull mine there as well, but after what may already be a "hard" inquiry, I'd prefer not to.

Thanks again.

You are not given a hard inquiry to pull your own report or buy your own score.

[Roscoe]

From someone who pulls actual credit reports for a living, only use myFico.com.

I've heard, "credit karma had me 730 last week." Then I pull a tri merge actual credit report and it's 645, 680, 659 from all three bureaus.

Most free places offer a credit score based off of a credit score model/simulator.

My wife has received the same bogus emails from credit karma. I just pulled her's on myfico, on your recommendation, and it's exactly where we thought it should be so, thanks for the heads up.

I'd like to pull mine there as well, but after what may already be a "hard" inquiry, I'd prefer not to.

Thanks again.

[chronical]

Credit scores should be free once year with credit report. It's your score, use it when you want to.

This would only work if there was a mandate for how to calculate your score. The reason all these scores are different is because they are all taking the same data from your reports and then applying their own formula to come up with a score.
Fico is an independent company who's (according to lenders) formula is the most accurate at determining risk. They are the choice company to use by lenders and since their product (complex credit score algorithm) is superior to all others, shouldn't they be paid for it?

[jefehbk]

Credit scores should be free once year with credit report. It's your score, use it when you want to.

[chronical]

I have been using it for over a year and have found no issues thus far, and it's accurate. I have my score from one of my CC's as well and they might be within 1 or 2 points of each other at most.

The fact that your score is similar to your real score (assuming you compared to a fico score from Myfico.com), is purely coincidental. The credit karma score is completely worthless. Your actual fico score may be 100 points higher or lower or in your case, right on. It's all bs. Credit Karmas only real benefit is for monitoring changes such as a new inquiry or account etc
Same for credit sesame, freecreditreport.com, and every other score

[chronical]

From someone who pulls actual credit reports for a living, only use myFico.com.

I've heard, "credit karma had me 730 last week." Then I pull a tri merge actual credit report and it's 645, 680, 659 from all three bureaus.

Most free places offer a credit score based off of a credit score model/simulator.

X2 didn't read all the responses before I posted