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03-12-2017, 09:19 PM
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#1
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I don't get it
Join Date: Mar 2006
Location: EastVan
Posts: 436
Thanked 374 Times in 72 Posts
Failed 167 Times in 13 Posts
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Credit Checks
So ive been looking into checking my own credit score to see how its been doing and I know most people deal with transunion or equifax when it comes to doing self credit checks but they do charge a monthly fee so im looking for a free alternative. I recently came to find this website called credit karma from a friends post on facebook and was wondering if anyone else has used it before? Apparently you can check your credit score for free. They use Secure Connection and use 128-bit encryption to protect the transmission of your data to their site. Also stated on their website is that they dont don’t sell or rent your personal information to third parties for their marketing lists. Any opinions would be great especially if youve used it or know of something better!
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04-02-2017, 07:11 AM
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#2
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Even when im right, revscene.net is still right!
Join Date: Dec 2003
Location: Vancouver
Posts: 1,398
Thanked 235 Times in 78 Posts
Failed 25 Times in 10 Posts
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Well for starters, you are not obligated to enrol in the monthly monitoring program. You can always obtain your credit score/report for a one time fee. I have not used credit karma but should you want to, you are also entitled to obtain your credit report for free once a year by writing to equifax or transunion. Keep in mind tho, that your credit report will most likely contain only items on your credit report but not your actual credit score.
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Originally posted by Miss_Girly
Bring some RS people with you to help u GANG BANG the guy!!
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04-02-2017, 08:09 AM
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#3
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Willing to sell body for a few minutes on RS
Join Date: Aug 2004
Location: Duncan, BC
Posts: 10,128
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
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Check out reviews online. Lots of negative, few positive.
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04-02-2017, 02:01 PM
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#4
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I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,479
Thanked 16,089 Times in 6,561 Posts
Failed 2,165 Times in 747 Posts
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Pay the $30 or whatever equifax is and be done with it. Why even consider a "free" alternative?
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Dank memes cant melt steel beams
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04-05-2017, 12:40 AM
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#5
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I contribute to threads in the offtopic forum
Join Date: Dec 2003
Location: Vancouver
Posts: 2,777
Thanked 1,045 Times in 419 Posts
Failed 1,372 Times in 243 Posts
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A equifax account will only tell you your credit score (with equifax only) and the debts you currently have. It's a waste of money after the first month imo. It's really for monitoring your credit and getting alerts if there is anything fishy going on.
What's the reason you want to see your credit report and score?
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04-05-2017, 05:32 PM
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#6
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in the butt
Join Date: Aug 2016
Posts: 3,513
Thanked 4,744 Times in 1,696 Posts
Failed 221 Times in 122 Posts
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Get your bank to check it for you...... they do it for free as long as you say your thinking about buying a house or a car.
PS. Nothing none of those online checks are "free" theres always a catch.
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04-06-2017, 04:30 PM
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#7
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RS has made me the bitter person i am today!
Join Date: Apr 2002
Location: In your head
Posts: 4,591
Thanked 376 Times in 176 Posts
Failed 11 Times in 9 Posts
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Creditkarma
Borrowell
mogo
Recognize that there's no such thing as a single credit score. The numbers that equifax or transunion give you are going to be different from what your bank has. It's because there are several fico models in use and the weightings of the components vary depending on the institution
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