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User Topic: is Creditkarma legit?
nekorb
♀ Member
Member # 40306
Default  Posted: 3:01 PM, July 2nd (Wednesday), 2014View ProfileEdit MessagePrivate MessageHomepage

I'm concerned about how my credit is going to be once I'm divorced and on my own, so to speak. (it's great now)

I came across the CreditKarma site accidentally, and it sounds too good to be true.

Wondering if anyone else has experience with it?

Thx.


Me: BS 44; Him: WH 47 aka CAT- colossal asshat; Married 22 years
D-day: July 17, 2013, with TT to follow
D filed July 16, 2014, 363 days later than I should have
Psalms 27:14
Wait for The Lord; be strong and take heart. Wait for the Lord.

Posts: 1813 | Registered: Aug 2013
simplydevastated
♀ Member
Member # 25001
Default  Posted: 3:12 PM, July 2nd (Wednesday), 2014View ProfileEdit MessagePrivate MessageHomepage

I use Credit Karma and Credit Sesame. I believe Credit Karma is from Trans Union and Credit Sesame is either Experian or Equifax.

I use both to get a ballpark of my score because each one is slightly different.


Me - BS, 39 (I'm not old...I'm vintage)
Two Wonderful children - DS10, DD7
Married, for now... (4+ D-Day - listed in profile.)

Posts: 5854 | Registered: Jul 2009 | From: In the darkest depths of hell!
woundedwidow
♀ Member
Member # 36869
Default  Posted: 3:33 PM, July 2nd (Wednesday), 2014View ProfileEdit MessagePrivate MessageHomepage

I know that AnnualCreditReport.com will provide a free, annual credit report from Equifax, Experian, and TransUnion in accordance with the Fair and Accurate Credit Transactions Act (FACTA).


Be careful what you wish for the most - you may get it.

Posts: 367 | Registered: Sep 2012 | From: VA
Dreamboat
♀ Member
Member # 10506
Default  Posted: 4:25 PM, July 2nd (Wednesday), 2014View ProfileEdit MessagePrivate MessageHomepage

I know that AnnualCreditReport.com will provide a free, annual credit report from Equifax, Experian, and TransUnion in accordance with the Fair and Accurate Credit Transactions Act (FACTA).

Yes. Getting your credit score costs extra.

Before you pay to get your credit scare, I suggest that you get the free reports to ensure that everything on it is accurate. If you see a credit card on your report and you are no longer an authorized user (i.e., it was stbx's credit card and you have asked to be removed as an authorized user) then you can dispute that and they will take it off. Note that being an authorized user is different than being a co-signer. I suggest you look thru everything on it. Anything negative that is more than 7 years old you can ask them to remove. And anything that is flat out wrong, you can ask them to remove. All 3 companies have a way to file an online dispute so it is easy. So I suggest you get each credit report, dispute anything you need to, wait for the dispute to be addressed, and THEN get your credit score about a month after that.


And it's hard to dance with a devil on your back
So shake him off
-- Shake It Out, Florence And The Machine

Posts: 17605 | Registered: Apr 2006 | From: A better place :)
misskirby
♀ Member
Member # 34594
Default  Posted: 9:43 PM, July 2nd (Wednesday), 2014View ProfileEdit MessagePrivate MessageHomepage

We have both a Discover card and a Capital One card, and both now have the feature of giving us our credit score. It comes in handy since one is in my name and one in his, so we get both each month. Don't know if you have either of those cards, but it seems to be something that's catching on with credit card companies.


Me-BS, Late 20's
Him-WH, Late 20's
M 9 years, together 14
DS and DD
D-Day 1/16/12

"Long is the way And hard, that out of Hell leads up to Light" -John Milton, Paradise Lost


Posts: 209 | Registered: Jan 2012
Amazonia
♀ Member
Member # 32810
Default  Posted: 2:59 AM, July 3rd (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

I use Credit Sesame and really like it.


"You yourself deserve your love and affection as much as anybody in the universe." -Buddha
"Let's face it, life is a crap shoot." -Sad in AZ

Posts: 13648 | Registered: Jul 2011
itainteasy
♀ Member
Member # 31094
Default  Posted: 8:11 AM, July 3rd (Thursday), 2014View ProfileEdit MessagePrivate MessageHomepage

I use credit karma, I have no problems with it.


Posts: 3348 | Registered: Feb 2011 | From: NWPA
Dark Inertia
Member
Member # 30727
Default  Posted: 1:51 PM, July 4th (Friday), 2014View ProfileEdit MessagePrivate MessageHomepage

Yes, it is it is through Trans Union and I think Credit Sesame is Equifax


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1196 | Registered: Jan 2011 | From: The Ohio
Topic Posts: 8

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