Credit Karma...

[chronical]

Credit Karma scored me 21 points below FICO. It's a completely free service. Common sense tells you not to expect 100% accuracy. Therefore, I fail to understand the criticism.

They sell an option to get the score more frequent. And also it's a coincidence your score is close. As others mentioned, it's not uncommon to be more than 100 points off.

[Forever_frost]

I use Identity Guard to watch my credit report and get a score when I feel like checking

[LS1Goat]

Credit Karma scored me 21 points below FICO. It's a completely free service. Common sense tells you not to expect 100% accuracy. Therefore, I fail to understand the criticism.

[chronical]

Do tell

while not overly complicated, some of the processes are pretty specific. For an example, you can use hipaa to get a medical collection off after you pay it.

Dispute dispute dispute.

This is the basic idea but there are systematic ways to do it and keep record if it. Plus using the right technique. A blanket "wasn't mine" or "never late" can cause more harm than good. I'm not saying that doesn't work sometimes either

Do tell

Dispute dispute dispute.

[vert_95]

There are ways...

Do tell

[Shaggin Wagon]

Credit Karma is about 100 points lower than my actual score from MyFICO.

I also noticed last month that my Capital One card offered free credit scoring but when I turned it on, it gave me the exact same score as Credit Karma which means dick. SO if you have a Capital One card, don't trust those numbers either.

This is the exact same thing I have, they were 100 point to the negative on my score. I dont believe any of those sites now.

[Hmbre97]

Credit Karma is about 100 points lower than my actual score from MyFICO.

I also noticed last month that my Capital One card offered free credit scoring but when I turned it on, it gave me the exact same score as Credit Karma which means dick. SO if you have a Capital One card, don't trust those numbers either.

[bucky]

I locked all my credit reports years ago and stopped worrying about them. I hardly use credit anymore but if I need to, I find what bureau they will pull from(usually Experian) and pay $10 to unlock. I'm not sure TX is a state that allows you to do this however.

[chronical]

Thanks for this post... I've been using one of the paid services like FreeScore as well as Credit Karma. I'll check MyFico.com tomorrow.

It would be nice if there was an easy way to bring a score back into the high 700's. Someone shouldn't have to keep paying for some bad decisions made in your 20's.

There are ways...

[ELVIS]

so its 524?

god bless.

[David]

Thoughts on identity guards service?

Thanks for this post... I've been using one of the paid services like FreeScore as well as Credit Karma. I'll check MyFico.com tomorrow.

It would be nice if there was an easy way to bring a score back into the high 700's. Someone shouldn't have to keep paying for some bad decisions made in your 20's.

If your 20's were less than 7 years ago, it's going to be a bit longer.

[GeorgeG.]

Thanks for this post... I've been using one of the paid services like FreeScore as well as Credit Karma. I'll check MyFico.com tomorrow.

It would be nice if there was an easy way to bring a score back into the high 700's. Someone shouldn't have to keep paying for some bad decisions made in your 20's.

[chronical]

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.

Sesame is Experian