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    #1

    credit karma? or others?

    Hi,

    For anyone that has used Credit Karma for their credit scores- how accurate is the score?


    Anyone have suggestions for any similar sites with no or low fees?

    Thanks
    Filed Pro Se: 10/16/2009
    341 Scheduled: 11/23/2009
    Last Day for Objections: 1/22/2010
    Discharged: 1/28/2010
    Tags: None
    #2
    Don't waste your money. Any credit scores that don't come directly from Experian or Fair Issac are just a best guess.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

    Comment

      #3
      Experian scores are no longer FICO scores. They are using the VantageScore - which is not anything like the FICO scoring model.

      TrueCredit is no longer providing FICO scores either. Credit Karma uses a different scoring model.

      If you are going to buy scores, make sure they are the FICO scores. Otherwise don't bother with purchasing your score, just look at the body of your report for errors.
      Filed CH 7 9/30/2008
      Discharged Jan 5, 2009! Closed Jan 18, 2009
      I am not an attorney. None of my advice is legal advice in any way..

      Comment

        #4
        I subscribe to Myfico.com and freecreditreport.com and pay monthly service fees....

        I also use creditkarma (which is free).

        I'll give you the latest of my personal experience with credit karma and the actual true myfico.com TransUnion score... I just checked them Friday and matched them up...

        Myfico.com TU Score: 590
        Creditkarma.com Score: 617

        I checked them within 15 minutes of each other Friday. I generally check them about once every month or two.... and they have always been different (obvious explanation is creditkarma is NOT a true FICO score). I more or less check creditkarma.com for my entertainment
        Retained bk7 laywer 8-12-08, Filed 12-22, 341 Meeting Scheduled 1-29-09
                 Discharged 4-17-09!!!
        Reason for filing: Medical, NOT irresponsibility with credit.
        "Sometimes you have to fall before you fly"

        Comment

          #5
          I don't get why the CRAs think this FICO thing has to be so elusive to the consumer. It is what our lenders look at. What is so abysmally wrong with having an accurate picture of one's own credit status? They do me one better, personally. Several times, (not recently, but in the past) there have been completely different accounts listed on my credit report pulled by a lender than what was listed on the copy they furnished to me. Same day. Oh. And this year I couldn't even get my free annual credit reports from Trans Union and Experian because they have addresses on there that are not mine, and don't believe MY id is real. It's so much fun. I hate them all.
          Last edited by tigergem; 12-27-2009, 05:07 PM. Reason: grammar police

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