Just wanted to post this in case some of you want to stay on top of your credit score. I have always hated the idea of having to pay to see your own credit score whenever you wanted to. Hope this helps.:up:
http://www.creditkarma.com/
-
unluckyluciano, #1 fan, 2k5 and 3 others like this.
-
By law you are guaranteed one free one per year.
-
You are guaranteed a free credit report but you have to pay for the FICO score.
-
NP! I have been using it for 2 months now. The cost for the scores are paid by advertising from credit card and insurance companies. They offer you cards based on your credit score so you have a good idea if you will be accepted before applying. I just got my America Express/Costco rewards card that I found out about through this site.
-
so this is legit??
-
Unless there have been new laws passed, I believe your FICO takes a hit for every time you make an inquiry. The credit bureau's read this as an application for credit.
-
-
Right after the law was passed, giving you the one free report per year, I did mine and my FICO was included. They might have changed it though. I do remember doing it through a government site.
-
Taken from the sites FAQ's section:
I haven't seen any dings or inquiries on my credit. My score is actually up from last month and I have been using it for a couple of months. -
http://www.ftc.gov/freereports This the site I used and are the only sanctioned site by the federal government.
I'm just sayin...DaFish, the devil is always in the details. -
It's once a year. Creditkarma allows you to monitor your score from month to month and gives you tips to help raise it. Pretty handy if you are wanting a lower interest rate when applying for credit.