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Thread: Credit Karma

  1. #1
    Abner is offline Registered User
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    Credit Karma

    Has anyone signed up for credit Karma? I guess they provide credit reports free! I just signed up but haven't used it yet because I had to mail in two forms of ID to prove my identity.
    XVI.8: Confucius said, "There are three things of which the superior man stand in awe. He stands in awe of the ordinances of Heaven. He stands in awe of great men. He stands in awe of the words of the sages. The mean man does not know the ordinances of Heaven, and consequently does not stand in awe of them. He is disrespectful to great men. He makes sport of the words of the sages."

  2. #2
    AsianStew is offline Registered User
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    Yup, I've been using them for a while now, signed up last year. They provide monthly updates to your Credit Report free. I recall their report is a lot different than the ones from by Equifax or Transunion. My Credit Karma report is usually "better" or "higher". I assume they grab the dat from both Equifax and Transunion and maybe "give an average".

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  3. #3
    SteveFoerster is offline Resident Gadfly
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    Yes, I use them. So far they've been very helpful.
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    Maniac Craniac is offline Moderator
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    How do their scores compare with myfico?

    Last I knew, the majority of creditors used the myfico score as the definitive authoritative credit rating.

    Also, in case some might not know, from annualcreditreport.com you get 1 free credit report- no score, just the facts- from each bureau per year with no sign up needed.
    Last edited by Maniac Craniac; 09-16-2017 at 04:30 PM.
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  5. #5
    Abner is offline Registered User
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    I am going to fax Credit Karma a copy of my driver's license and a copy of my social security card. Should i mark over the social security number except for the last four digits?
    XVI.8: Confucius said, "There are three things of which the superior man stand in awe. He stands in awe of the ordinances of Heaven. He stands in awe of great men. He stands in awe of the words of the sages. The mean man does not know the ordinances of Heaven, and consequently does not stand in awe of them. He is disrespectful to great men. He makes sport of the words of the sages."

  6. #6
    Maniac Craniac is offline Moderator
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    Quote Originally Posted by Abner View Post
    I am going to fax Credit Karma a copy of my driver's license and a copy of my social security card. Should i mark over the social security number except for the last four digits?
    I don't have that answer for you, specifically, because I'm not sure of the policies and procedures. However, to get your credit history from any of the bureaus, they'd have to have your full SSN anyway, so I don't see the reason to hide it.
    BA, Social Sciences ---- The University Formerly Known As Thomas Edison State College

    "If you aren't going to use your heart, then what's the difference if it gets broken?"

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  7. #7
    SteveFoerster is offline Resident Gadfly
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    Quote Originally Posted by Maniac Craniac View Post
    I don't have that answer for you, specifically, because I'm not sure of the policies and procedures. However, to get your credit history from any of the bureaus, they'd have to have your full SSN anyway, so I don't see the reason to hide it.
    I don't remember having to do that, BTW.
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  9. #8
    Abner is offline Registered User
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    Quote Originally Posted by SteveFoerster View Post
    I don't remember having to do that, BTW.
    I screwed up on some answer they asked me to confirm my identity, so as a precaution, they need me to fax in identity documents.
    XVI.8: Confucius said, "There are three things of which the superior man stand in awe. He stands in awe of the ordinances of Heaven. He stands in awe of great men. He stands in awe of the words of the sages. The mean man does not know the ordinances of Heaven, and consequently does not stand in awe of them. He is disrespectful to great men. He makes sport of the words of the sages."

  10. #9
    Abner is offline Registered User
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    I have an excellent score of 835!
    XVI.8: Confucius said, "There are three things of which the superior man stand in awe. He stands in awe of the ordinances of Heaven. He stands in awe of great men. He stands in awe of the words of the sages. The mean man does not know the ordinances of Heaven, and consequently does not stand in awe of them. He is disrespectful to great men. He makes sport of the words of the sages."

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