Comments on: Free FICO Credit Score Estimates

By: D.S

D.S — Fri, 05 Mar 2010 22:23:21 +0000

I have tried Credit Karma and The estimator and both gave me different scores with large margins. Try credit.com it’s great.

By: Ab

Ab — Thu, 23 Apr 2009 02:34:06 +0000

Just checked using both the estimator and Credit Karma. Both worked very quickly and the scores matched up well too. Thanks for this post, truly helpful stuff! Too many bloggers simply rehash oft repeated techniques of raising / managing your score, you were the first I found with helpful links and how to information. And now I know that I don’t need to stress about raising my score since its relatively high considering im only 20. Thanks for helping me put my mind at ease!

-Ab

By: Jim

Jim — Thu, 16 Apr 2009 19:33:48 +0000

I’m sorry it wasn’t clear, typically a trial means that you get to try something for free and then pay for it if you don’t cancel the service. I’m sorry it wasn’t clear but I’ve amended the article to make that clear. If you call and say you want to cancel, they will usually pro-rate the refund and issue it to you.

By: globetrekkerr

globetrekkerr — Thu, 16 Apr 2009 17:31:41 +0000

You didn’t mention that MYFICO also has a 30day trial period and then they will charge you annually if you don’t cancel. Your article sounded like there was no “cancellation” required. Maybe you need to research futher.

By: Diane

Diane — Fri, 20 Feb 2009 16:33:39 +0000

Regarding Creditkarma, I've had the same problem. My score was MUCH lower there than I've ever gotten from one of the 3 credit reporting agencies when I've paid for a score.

By: saladdin

saladdin — Fri, 20 Feb 2009 15:17:53 +0000

Why is mine always at least 30 points lower then myfico? I have no mortgage or loans of any type open. I use only 1 credit card and pay off every month.

If your service is having such a hard time with a file of my size then I don’t see how it can be accurate for complex ones.

saladdin

By: saladdin

saladdin — Fri, 20 Feb 2009 13:58:08 +0000

Creditkarma has never been close. I just ran it again and it shows 668 but myfico is 710. It has always shown scores 30 poitns lower then myfico. saladdin

By: Lazy Man and Money

Lazy Man and Money — Tue, 23 Dec 2008 05:47:50 +0000

I’ve met with the CEO of Credit Karma a couple of times and can only tell you that they have the consumer’s best interest. Even if you don’t sign up for their service, their blog (http://blog.creditkarma.com) is a great source for credit information.

By: Aya @ Thrive

Aya @ Thrive — Thu, 11 Dec 2008 23:00:33 +0000

Credit Karma seems like a good resource, I’m glad there are people spreading the word about useful sites that are being tried out. Just to add to the mix, Thrive (a free online financial advisory) has added a new feature which gives users their credit score estimates for free as well. It’s important to know your credit score before embarking on improving it, and Thrive also gives advice about how to work on your credit score instead of just showing it to you to decode by yourself.
Just thought I’d pass on another resource since it was relevant to the discussion at hand.

By: CKFounder

CKFounder — Wed, 03 Dec 2008 23:57:21 +0000

@miss m

That is a common misconception, that there is only one true credit score. There are hundreds of different scores. When it comes to FICO they have multiple scores and those scores are even different depending on the bureau you use.

Independent Source: http://www.experian.com/consumer/credit_score_faqs.html#1

The truth is that all credit score are similar and correlated. Monitoring one, a few, or all is a matter of detail and costs.

By: Miss M

Miss M — Wed, 03 Dec 2008 23:17:20 +0000

I know a few people using Credit Karma so I’m considering checking it out, seems to be legit. I wonder if it’s your “true” score though, I thought the only way to get your actual score is to apply for a loan. The lender is then required to share the report and score with you. Anyone know if CK is your real FICO or just another guesstimate?

By: CKFounder

CKFounder — Wed, 03 Dec 2008 16:13:50 +0000

Thanks for letting your readers about Credit Karma. Please let us know if you find the service useful.

By: Diane

Diane — Wed, 03 Dec 2008 15:51:53 +0000

GET YOUR FREE CREDIT REPORTS – Take advantage of the opportunity to get a free credit report from each of the 3 companies – Experian, Transunion & Equifax once each year, using annualcreditreport.com.

The first year I got all 3 of my reports at the same time, to compare the information. The following year I got 1 report on the anniversary date (April), waited 4 months to get the 2nd report (August) and waited another 4 months to get the 3rd report (December).

Now I get one free report every 4 months – one from each company each year. This allows me to monitor my credit regularly for free.

CORRECT MISTAKES IN YOUR REPORTS – If you get the reports online, you have an opportunity to request correction for any mistakes you find through the website. After investigating & making any corrections they will give you the opportunity to see the corrected report for free.

ORDER CREDIT SCORES – If you want to monitor your credit scores as well, order 1 score each time you get a free credit report. When you access your free report you will have an opportunity to order a credit score from that company for $6-8. I order 1 credit score each time I get a free report – the cost is minimal and I track my credit scores from each company each year. It’s worth the cost to me to know where I stand!