Also, what is the board's thoughts on things like Credit Karma and the like. I don't have that much debt money-wise, but I have several smaller debts spread out. I finally have some extra income and to devise a plan to raising my credit score.
Hot Carl LSU Fan Where I want to be Member since Dec 2005 38457 posts
re: Best place to get a detailed credit report from all 3 bureaus?(Posted by Hot Carl on 1/31/13 at 12:22 pm to iAmBatman)
thanks for the info. Tell me more about Credit Karma. I downloaded the app, but when I tried to register, it said my name and social didn't match or some such nonsense. But is it just a good way to keep track of your credit, debts, etc...or do they give you advice?
TDsngumbo LSU Fan Member since Oct 2011 6756 posts
re: Best place to get a detailed credit report from all 3 bureaus?(Posted by TDsngumbo on 1/31/13 at 1:02 pm to Hot Carl)
If you have a citibank credit card, you can order their credit monitoring service for about 9 bucks a month. It comes with just about all the details you could imagine. I've been getting it for at least a year now and I love it. Definitely worth the 9 buck a month.
re: Best place to get a detailed credit report from all 3 bureaus?(Posted by JonTheTigerFan on 2/1/13 at 5:17 am to Will Cover)
quote: Any resemblance to your FICO is purely coincidental.
Exactly. Their scoring models are nowhere near what FICO uses. My score went down on CreditKarma by 50 points so I bought my FICO score because I thought something had happened to lower my score. My FICO score had gone UP by 3 points. My CreditKarma score (provided by TransUnion) is about 70 points lower than my TransUnion FICO score I just got when I applied for a mortgage.