Comments on: Free Credit Scores from Credit Karma

By: Rich Credit Debt Loan

Rich Credit Debt Loan — Mon, 17 Nov 2008 17:28:21 +0000

Nice product. I have been using for 6 months or more… They have a pretty kick as blog about all thing credit too: http://blog.creditkarma.com

By: lakefxdan

lakefxdan — Sat, 15 Nov 2008 09:06:56 +0000

On the whole it’s a decent service. I’m using it to track my parent’s credit scores during their personal health-related credit crisis. It was definitely more useful than some of the credit-score “calculators” I had used such as at Bankrate.com. I was disappointed that it didn’t have more personalized advice (at least at this time). I wish their credit “simulator” had some more options (and was more AJAXy, so the whole page didn’t redraw). Perhaps if the simulator worked in reverse, like a “what’s the single best thing I can do to improve my credit?” button. I also wish that the offers could be broken out to just e.g. credit cards, instead of “Financial” which apparently includes Quicken Online.

I will say that the score my dad got was not high enough to get offers for anything other than “starter” cards, so my view of the offers may be skewed by that.

By: Nick

Nick — Wed, 12 Nov 2008 04:37:45 +0000

I just went for mine, and it was a couple points lower than what it was a few weeks back. Definitely a good free tool to use.

By: RDS

RDS — Wed, 12 Nov 2008 01:42:40 +0000

This is fantastic. Although I think that one can spend too much time obsessing over credit scores – if you pay your bills and handle your money well, your score should be just fine. However, it is great to have a free resource to keep an eye on things.

RDS

By: Caleb Nelson

Caleb Nelson — Tue, 11 Nov 2008 21:04:29 +0000

I am going to be doing some serious credit score building starting this January with the new year. I’m glad that I ran across this, because I think that the analysis is a really good tool to have, in lue of just having your score.

Caleb

By: MoneyMateKate

MoneyMateKate — Tue, 11 Nov 2008 15:25:03 +0000

Thanks for showing the difference between your CK score and your real score. When I got mine from them a couple of weeks ago, I thought it was 20-40 points below where it should be. So seeing the 20pt variation in yours (which, curiously, is within 1 point of mine) along with the explanation was very helpful.

By: Trevor

Trevor — Tue, 11 Nov 2008 15:22:47 +0000

What a great tool! I love the graphical data. Anything that will track my credit vs other’s credits, etc… is a lot of fun! I think I’ll take a look at it. Thanks for the post.