Credit Score

Re: Credit Score

• entropicbeauty

  May 2013

  I was given complete print outs of all of my credit reports when I went to get pre-approved for a mortgage. If you're seriously planning on buying a house, just wait till you go to get pre-approved and ask them for copies of the reports. 

  

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• Rifflynnane

  May 2013

  My sister in law, my husband and myself all use credit karma and have never had to use any kind of payment info ever. It lets me know promptly when my score increases or decreases. 

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• mmizrach member

  

  May 2013

  I've been using Credit Karma for the past 4 months, it's great. They update your score every week if it has changed. It tells you 4 different credit-based scores, what makes up these scores, and how you're doing in each category. Also has a simulator where you can see how your score will be affected if you open up a new card, etc.
  

  

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• jtmh2012 mod

  

  May 2013

  CarolineRice:

  My husband and I are looking to buy a house within the next year or so, and we have both gotten free copies of our credit reports, just to make sure they are accurate, but we didn't pay the extra to get our actual scores. We both have pretty clean reports (no collection accounts or derogatory marks), but I don't know if we actually have "good credit". A friend said that she registered at CreditKarma.com and they gave her a free credit score and she didn't have to give them a credit card number. I'm just a little nervous about that. Should I just pay each credit bureau for our scores from them?

  Keep in mind that while CreditKarma will give you a score, it most likely will not be the same score the bank uses.  When I got my original loan, they used a FICO score which isn't the same number that CreditKarma is giving you.
  

  
  

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