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Related: Culture Forums, Support Forumswhat's the best place to view my credit history??? is Credit Karma a good source?
thank you
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what's the best place to view my credit history??? is Credit Karma a good source? (Original Post)
a kennedy
Sep 2014
OP
For NY residents, we get free reports from the reporting agencies annually
dr.strangelove
Sep 2014
#3
btw...here is a report on teh difference between Credit Karma and another free score site:
dixiegrrrrl
Sep 2014
#5
sharp_stick
(14,400 posts)1. I like Credit Karma
the numbers seem to be pretty much in line WRT the credit score from each agency. You can get a free full credit history without score for free each year from the links at the following.
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
a kennedy
(29,673 posts)2. Yah, thought that too....
And thanks for the response.
dr.strangelove
(4,851 posts)3. For NY residents, we get free reports from the reporting agencies annually
I spread them out and use them. Maybe your state has something similar.
dixiegrrrrl
(60,010 posts)4. I get my free reports from the 3 credit agencies by
asking each one every 4 months....
So..Transperian get asked in Jan.
and Equifax is asked in May, etc.
That pretty much covers the yearly timeline.
dixiegrrrrl
(60,010 posts)5. btw...here is a report on teh difference between Credit Karma and another free score site:
One cant help but ask what are the differences between Credit Karma and Quizzle. The most significant difference between the two is the credit agency they use to create your score and report. Quizzle makes use of the credit agency Equifax, while Credit Karma makes use of the credit agency TransUnion. Since each of the three credit reporting agencies (Equifax, Transunion and Experian) are different, what their scores and reports contain can be different from the others.
Another difference between Credit Karma and Quizzle are the types of credit scores each provides. Of the two, Credit Karma offers consumers four scores (TransRisk Score, TransUnion Home Insurance Risk Score and TransUnion Auto Insurance Risk Score and VantageScore) while Quizzle only offers the VantageScore through Equifax. All these scores from both companies are FAKO scores.
Both companies also offer free credit reports, but again, these are from different credit reporting agencies. Consumers get their credit report from TransUnion when using Credit Karma, and it can be accessed as often as once a week. Consumers get a report from Equifax when using Quizzle, but can only have access to it every 6 months.
Of the two companies, Credit Karma is generally regarded as having the better combination of credit tools and access to the scores and reports, but a lot depends on the consumers individual needs. It also depends a lot on which credit bureau they want to see the information obtained from
(Experian free credit score information can be found at Credit Sesame).
While in general terms the two companies appear to be almost the same, there are some key differences which favor Credit Karma over Quizzle for many people.
http://www.savingadvice.com/articles/2014/09/22/1028332_credit-karma-vs-quizzle-free-scores-reports.html
Another difference between Credit Karma and Quizzle are the types of credit scores each provides. Of the two, Credit Karma offers consumers four scores (TransRisk Score, TransUnion Home Insurance Risk Score and TransUnion Auto Insurance Risk Score and VantageScore) while Quizzle only offers the VantageScore through Equifax. All these scores from both companies are FAKO scores.
Both companies also offer free credit reports, but again, these are from different credit reporting agencies. Consumers get their credit report from TransUnion when using Credit Karma, and it can be accessed as often as once a week. Consumers get a report from Equifax when using Quizzle, but can only have access to it every 6 months.
Of the two companies, Credit Karma is generally regarded as having the better combination of credit tools and access to the scores and reports, but a lot depends on the consumers individual needs. It also depends a lot on which credit bureau they want to see the information obtained from
(Experian free credit score information can be found at Credit Sesame).
While in general terms the two companies appear to be almost the same, there are some key differences which favor Credit Karma over Quizzle for many people.
a kennedy
(29,673 posts)7. This is very interesting......
Thank you for this information.
TacoD
(581 posts)6. Official annual credit report site sponsored by Federal Government
www.annualcreditreport.com
There are a lot of imitators, don't be fooled.
a kennedy
(29,673 posts)8. Forgot about this one.....
I'll look into this one also. Thanks.
LiberalElite
(14,691 posts)9. I've only used Credit Karma -
and I like it.