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re: Best site to check my credit score?

Posted on 5/21/14 at 7:53 am to
Posted by Aubie83
Member since Jan 2008
5012 posts
Posted on 5/21/14 at 7:53 am to
quote:

Call your bank. They'll give it to you. Mine does anyway.
Posted by NorthGwinnett LSU
Georgia Southern Fan
Member since Nov 2012
1917 posts
Posted on 5/21/14 at 8:03 am to
quote:

Call your bank. They'll give it to you. Mine does anyway.



They are not suppose to do that
Posted by htownjeep
Republic of Texas
Member since Jun 2005
7617 posts
Posted on 5/21/14 at 8:05 am to
quote:

He's referring to the fact that the Experian score used to not be available for the general public to buy.

I don't recall that but that's interesting. I wish myfico would let me pull up a history of older reports. Wonder what I used to pay for prior to that date?
Posted by JonTheTigerFan
Central, LA
Member since Nov 2003
6797 posts
Posted on 5/21/14 at 8:13 am to
quote:

Not true. On the last several credit pulls I've had done..the karma score has always been somewhere in the middle of the 3 'official' scores I've been sent through the mail.


Everybody will have a different result. The scoring model for CreditKarma weights things differently than the FICO models (which most lenders use for granting credit). The range of scores is also different. My TransUnion FICO score is consistently about 40-50 points higher than my CreditKarma score which also comes from TransUnion.
Posted by h0bnail
Member since Sep 2009
7483 posts
Posted on 5/21/14 at 9:10 am to
My Credit Karma score was much lower than the score I was told when I purchased my last car. It was over 800, and I believe Credit Karma had been telling me 720-730.
Posted by reginaphilange
Member since Mar 2014
415 posts
Posted on 5/21/14 at 9:31 am to
FWIW, my Credit Karma score was off by 100 points. It's just an estimate. I knew something wasn't right, so I joined MyFico. I pay $5 a month for monitoring and get my score/report every 3 months (included in that price). You could just pay the first $5, get your score/report, and then cancel.
Posted by casualobserver
Baton Rouge
Member since Oct 2011
145 posts
Posted on 5/21/14 at 9:33 am to
It is important to know that there is more than one credit score per credit bureau (consumer reporting agency). A mortgage credit score will differ from one for purchasing a car or truck, and both will vary from an insurance credit score, for instance. And any one of these can change daily since it is a snap shot.
Posted by Baers Foot
Louisiana Ragin' Cajuns
Member since Dec 2011
3551 posts
Posted on 5/21/14 at 9:53 am to
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