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Credit Karma: Free credit score watch Archived From: Finance

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   posted: Feb. 16, 2008 @ 9:12a

bsamson said:If people are getting scores above 900 despite their literature indicating a top-end of 900, they may question its accuracy in providing a realistic trend. Like me. TU score 805, CK score 906.
CK score goes from 150 to 950. They state it https://www.creditkarma.com/compare/ (click only after logging in)


   posted: Feb. 22, 2008 @ 7:11p

Has anyone else been getting a "could not retrieve credit score" when trying to refresh creditkarma? The last time I was able to do it was Feb 15.


   posted: Feb. 22, 2008 @ 7:16p

markkundinger said:Has anyone else been getting a "could not retrieve credit score" when trying to refresh creditkarma? The last time I was able to do it was Feb 15.


I've gotten it everyday for a week, I have had trouble before with my address changing on my TU and that caused trouble with some monitoring services. Double check your address on TU, in my case B* caused my address to get bumped off.


   posted: Feb. 22, 2008 @ 7:58p

mark - no problems either with KC all week.


   posted: Feb. 23, 2008 @ 1:49p

Nice site. Helped me bump off all the TU inquiries at least. The comparison charts are nice but it would be great to have the comparison broken down by factors like utilization, credit age, etc. Still, nice site considering that it's Beta.


   posted: Feb. 23, 2008 @ 2:03p

I figured out my problem. When I was prompted for the last four of my SSN, I wasn't actually entering the last four of my social security number. I thought it was some sort of PIN-type field. I got the update after two tries.

Reading really IS fundamental!


   posted: Feb. 23, 2008 @ 3:01p

895 today.. Haven't checked FICO in about a year, but I think it was 770 or so then.


   posted: Feb. 23, 2008 @ 3:46p

sieglerc said:Nice site. Helped me bump off all the TU inquiries at least. The comparison charts are nice but it would be great to have the comparison broken down by factors like utilization, credit age, etc. Still, nice site considering that it's Beta.

Yes, that would be nice. But these guys (the following is pure speculation) do NOT have a refined model which would quantify one's credit risk as a score with same/better precision as FICO/Vantage/etc. Their score is something someone slapped together in a few days and tuned using credit files of his office mates and friends. Now, that they've grabbed the audience, they may tune their score a lot better ... this may be CreditKarma's long term strategy. Their short term strategy appears to be to generate ad revenue. I doubt they'll stay as they are for a long time, they'll either be disbanded, bought or will merge with one of the big names in the credit scoring business.


   posted: Feb. 23, 2008 @ 5:30p

ImpulseTrain said:I noticed today that they added a national score distribution histogram, national percentile, credit karma percentile, and how lenders see you. It's interesting to note that my national percentile is higher than my credit karma percentile -- it makes sense that credit karma would be attracting users with high scores. For a free service, this is really good information.


Now that is WEIRD.

It says my national percentile is LOWER than my credit karma percentile.

(Isn't that logically impossible for that to be reversed or am I being dense?)


   posted: Feb. 23, 2008 @ 6:06p

LaJollaInvestor said:
Now that is WEIRD.

It says my national percentile is LOWER than my credit karma percentile.

(Isn't that logically impossible for that to be reversed or am I being dense?)


Sure it's possible - it depends on how the national and credit karma scores are distributed. Perhaps what I should have said earlier is that it makes sense for credit karma to attract users with scores higher than mine (my score is somewhat mediocre due to too much A0R debt and associated inquires...).


   posted: Feb. 23, 2008 @ 7:24p

ImpulseTrain said:LaJollaInvestor said:
Now that is WEIRD.

It says my national percentile is LOWER than my credit karma percentile.

(Isn't that logically impossible for that to be reversed or am I being dense?)


Sure it's possible - it depends on how the national and credit karma scores are distributed. Perhaps what I should have said earlier is that it makes sense for credit karma to attract users with scores higher than mine (my score is somewhat mediocre due to too much A0R debt and associated inquires...).


lol-- math has never been my thing. It seemed illogical but I think I get it.


   posted: Feb. 23, 2008 @ 8:43p

From my WAMU card
Your FICO credit score is 716


From Credit Karma
878


   posted: Feb. 23, 2008 @ 9:59p

Still showing near 900 on both "da wif" and myself.....


   posted: Feb. 24, 2008 @ 11:08p

lmao, my scored dropped 63 points. I wasn't late and I made full balance payments.

this was within one week. Is this fluctuating score normal for this service?

only thing I did was purchase car insurance. from 790 to 727


   posted: Feb. 25, 2008 @ 8:30a

That does seem very steep, macki. But there was probably a hard pull - possibly more than one if you were shopping around.

I had a drop of 4 points after applying for 3 new credit cards. I'm not sure which CRA those pulled though.


   posted: Feb. 25, 2008 @ 9:21a

I'm right on the 112% scale also (well, 111% to be exact), although I have to use two different scores to calculate, I was booted from virtually all daily monitoring sites thanks to TC...

WAMU FICO: 742
CK FAKO: 824


   posted: Feb. 25, 2008 @ 12:17p

afeld said:I'm right on the 112% scale also (well, 111% to be exact), although I have to use two different scores to calculate, I was booted from virtually all daily monitoring sites thanks to TC...

WAMU FICO: 742
CK FAKO: 824

There are other sites, *virtually all* is a pretty big statement.


Edit: Has anyone verified yet that creditkarma is creating a new soft each time?


   posted: Feb. 25, 2008 @ 6:36p

win333 said:There are other sites, *virtually all* is a pretty big statement.


Edit: Has anyone verified yet that creditkarma is creating a new soft each time?

I got a TU soft pull each day I used it. I don't have anything left to bump off TU so I haven't used it for a while.


   posted: Feb. 25, 2008 @ 6:51p

gumkin said:win333 said:There are other sites, *virtually all* is a pretty big statement.


Edit: Has anyone verified yet that creditkarma is creating a new soft each time?

I got a TU soft pull each day I used it. I don't have anything left to bump off TU so I haven't used it for a while.


Just what I wanted to know, Thanks!


   posted: Feb. 25, 2008 @ 11:15p

........

I was wrong


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