topic Re: Has Anyone Used Credit Karma Dot Com in Electronics

Has Anyone Used Credit Karma Dot Com

Jordan2 — Wed, 19 Mar 2014 23:11:38 GMT

I've heard about this website and have seen commercials for it. It's suppose to be totally free no strings attached to get your credit report. Has anyone ever used this? Do you think it's safe and really free?

Re: Has Anyone Used Credit Karma Dot Com

queendiva — Wed, 19 Mar 2014 23:25:07 GMT

DS used it recently. Free, safe and accurate.

Re: Has Anyone Used Credit Karma Dot Com

Jordan2 — Wed, 19 Mar 2014 23:39:28 GMT

Queendiva thanks for the reply. I'm very suspicious by nature and always feel nothing is for free. I may try this.

Re: Has Anyone Used Credit Karma Dot Com

Stardust2 — Wed, 19 Mar 2014 23:58:24 GMT

Go to www.usa.gov This is the government site and the only one I trust. In the search bar type in "annual credit report request form" Mail it in after filling out. It goes to all 3 of the majors, you only need the last 4 digits of your social security number and you receive it in the mail. You are allowed to send it once a year. I would never trust the internet for this sensitive information.

Re: Has Anyone Used Credit Karma Dot Com

Caffeina — Thu, 20 Mar 2014 00:56:01 GMT

On 3/19/2014 jordan2 said:
I've heard about this website and have seen commercials for it. It's suppose to be totally free no strings attached to get your credit report. Has anyone ever used this? Do you think it's safe and really free?

I wouldn't use that site and unnecessarily give personal information to a third party.

consumer.ftc.gov/articles/0155-free-credit-reports

Re: Has Anyone Used Credit Karma Dot Com

ilovedaisies — Thu, 20 Mar 2014 00:58:52 GMT

I wouldn't give them my SS number, no way.

Re: Has Anyone Used Credit Karma Dot Com

Jordan2 — Thu, 20 Mar 2014 01:50:53 GMT

Thank you Stardust2 and Caffeina I will look into both of these websites.

Re: Has Anyone Used Credit Karma Dot Com

Stardust2 — Thu, 20 Mar 2014 02:06:12 GMT

On 3/19/2014 jordan2 said: Thank you Stardust2 and Caffeina I will look into both of these websites.

We have used the one I posted for years. Back comes a detailed report about 4 to 5 pages long. Each credit bureau sends us one. Amazing how many people have checked your credit report without your knowing. Also with each one a toll free number comes in case you want to dispute something or have something taken off that doesn't belong to you.

Re: Has Anyone Used Credit Karma Dot Com

Venezia — Thu, 20 Mar 2014 04:15:35 GMT

This is the link for the Federal Trade Commission, which gives a link to the Annual Credit Report site (the one mandated by federal law): FTC Consumer Website

Once you go to that, there is a link given at the top of the page to get your free credit report. You are allowed, by law, to get one free credit report per year from each of the three big reporting agencies.

I do what was recommended many years ago - request one report from each of the agencies, each quarter. The three agencies have similar information, so for example, get your report from Equifax now. Check it for accuracy and correct anything that's wrong.

In four months (or sooner, if you spot anything suspicious) get the next report from one of the other two and your third report from the final agency four months after that.

This way, you are keeping tabs on your credit report 3 times a year. Of course, if you think anything is very wrong, you'll want to check with the other two sooner, as a request for a correction to one, does not get passed on to the other two.

I hope this makes sense to you. I would never use any other service except the one set up by the Federal Government. It is totally free and easy to use. (You can, of course, print out a copy.)

Re: Has Anyone Used Credit Karma Dot Com

cookie5 — Thu, 20 Mar 2014 14:11:26 GMT

I have used them for about 5 years. They were recommended highly by Clark Howard and I have had only good results.

Re: Has Anyone Used Credit Karma Dot Com

robomo — Thu, 20 Mar 2014 14:35:52 GMT

You're just putting your information into the universe for these people IMO. No way would I do that. The major three credit bureaus will give you your credit reports FREE once a year anyhow. Why not just stick with the tried and true.

Re: Has Anyone Used Credit Karma Dot Com

Mmsfoxxie — Thu, 20 Mar 2014 17:57:49 GMT

What I liked is the fact that Karma gives you your credit score free as well as the credit report.

Re: Has Anyone Used Credit Karma Dot Com

hope-Q — Thu, 20 Mar 2014 18:15:52 GMT

Do any of you realize how much the three credit bureaus are putting into space about you as your credit info is exchanged, checked, etc. ?

Nothing is sacred after you get a social security number.

Re: Has Anyone Used Credit Karma Dot Com

Venezia — Thu, 20 Mar 2014 21:43:26 GMT

On 3/20/2014 hope-Q said:
Do any of you realize how much the three credit bureaus are putting into space about you as your credit info is exchanged, checked, etc. ?

Nothing is sacred after you get a social security number.

They already have your SSN, if you've ever gotten credit. When you request your credit report, you only enter the last four digits. And the 3 big credit bureaus do not exchange information - hence the need to contact each individually, if you find an error or discrepancy.

Re: Has Anyone Used Credit Karma Dot Com

straykatz — Thu, 20 Mar 2014 22:37:13 GMT

On 3/20/2014 robomo said:
You're just putting your information into the universe for these people IMO. No way would I do that. The major three credit bureaus will give you your credit reports FREE once a year anyhow. Why not just stick with the tried and true.

Free credit report but it doesn't include your credit score.

Re: Has Anyone Used Credit Karma Dot Com

knmt — Thu, 20 Mar 2014 22:47:52 GMT

On 3/20/2014 straykatz said:
On 3/20/2014 robomo said:
You're just putting your information into the universe for these people IMO. No way would I do that. The major three credit bureaus will give you your credit reports FREE once a year anyhow. Why not just stick with the tried and true.

Free credit report but it doesn't include your credit score.

I get my credit score on my Discover It card statements!

Re: Has Anyone Used Credit Karma Dot Com

Jordan2 — Thu, 20 Mar 2014 23:49:17 GMT

On 3/19/2014 Stardust2 said:
Go to www.usa.gov This is the government site and the only one I trust. In the search bar type in "annual credit report request form" Mail it in after filling out. It goes to all 3 of the majors, you only need the last 4 digits of your social security number and you receive it in the mail. You are allowed to send it once a year. I would never trust the internet for this sensitive information.

Stardust2 you mentioned you only need to put the last 4 digits of your social security number on the form.I printed up the form and it seems you must put your entire SSN on the form. Is that correct?

Re: Has Anyone Used Credit Karma Dot Com

KathyPet — Fri, 21 Mar 2014 00:02:50 GMT

I have done some research and there is a lot of misinformation out there about credit reports and credit scores. 1. You can get one free credit report from the US gov FTC website. There are 3 different major credit bureaus. You can only choose one to get your report from. All creditors do not report to all 3 bureaus. You cannot get your credit score from the gov web site only a report. 2. the credit karma web site is free. They get their income from selling ads on the site. HOWEVER, the most important thing to know about this site is that they are not giving you a true credit score from one of the three major bureaus. Instead they are giving you a ESTIMATE of your score based on what info you provide them from their own calculations. Their estimate can differ quite a bit from your actual.score.

Re: Has Anyone Used Credit Karma Dot Com

chi5925 — Fri, 21 Mar 2014 00:21:55 GMT

Yes, I used creditKarma.com.

Gave me my credit score but it does NOT provide a FULL credit report like Experian or the other 2 reporting agencies where you can see your creditors (past and current), amounts owed, other details, etc.

creditKarma was free and I'm glad I used them - it confirmed that my credit score was same as Experian.

The only thing I didn't like was that they sent emails regularly (hate that). I just marked them as "spam" and all subsequent emails from them now go to spamland.

Re: Has Anyone Used Credit Karma Dot Com

Stardust2 — Fri, 21 Mar 2014 03:01:07 GMT

On 3/20/2014 jordan2 said:
On 3/19/2014 Stardust2 said:
Go to www.usa.gov This is the government site and the only one I trust. In the search bar type in "annual credit report request form" Mail it in after filling out. It goes to all 3 of the majors, you only need the last 4 digits of your social security number and you receive it in the mail. You are allowed to send it once a year. I would never trust the internet for this sensitive information.

Stardust2 you mentioned you only need to put the last 4 digits of your social security number on the form.I printed up the form and it seems you must put your entire SSN on the form. Is that correct?

There is a place where you shade out the circle if you only want to put in your last 4 numbers of the SS.