Best credit reporting service?

[Logan]

CK is not a report. It's a score simulator.

Yes but it will show if you have new credit lines, the balance of you're credit lines and any new information that pops up. Perfect for someone who wants to monitor their credit for free.

[keepsmiling]

Mine shows two recent inquiries. Since we certainly haven't applied for anything, would those be coming from the collection agencies?

[Logan]

I got A's from CreditKarma and no derogatories.
Really made me shake my head.
Also, nothing shows as charged off? Or am I not looking in the right place? There are at least a 3-4 collection agencies calling my GV and sending me love letters.

I get a C under open credit card utilization for being at 0%. I'm using my credit card this month because my debit card was compromised so the utilization will go up in December. It'll be interesting to see if that affects my score.

[HHM]

How about NONE. Use annualcreditreport.com, FOR FREE, and pull your credit report once a year. the monitoring services, in my opinion are a waste of money (but many here don't share that opinion).

One thing to consider about Credit Karma, it is a data mining operation and makes use of all tracking mechanism, cookies, web beacons, etc to track it's users. It is ultimately an ad revenue business model, so it is creating a profile of you so it can send you offers from its affiliate network.

[Logan]

How about NONE. Use annualcreditreport.com, FOR FREE, and pull your credit report once a year. the monitoring services, in my opinion are a waste of money (but many here don't share that opinion).

One thing to consider about Credit Karma, it is a data mining operation and makes use of all tracking mechanism, cookies, web beacons, etc to track it's users. It is ultimately an ad revenue business model, so it is creating a profile of you so it can send you offers from its affiliate network.

HHM, you're absolutely correct about creditkarma but for me I don't care and personally I don't know why anyone would? CreditKarma just like Mint.com is trying to direct you to Banks, Insurance companies etc and they get a kickback and in my case I pretty much only use a debit card so there aren't many changes from one month to the next so there's not much of a profile to gather. I just like it because it tells you what changes have been made since the last update and I can see if anyone tried or succeeded in opening credit under my name.