Creditcarma

[Thomas Crown]

I see these ad all the time and was wondering is anyone has tried them. They offer free credit reports but there has to me a catch

 

[Warl0ck]

I've never tried them, but you can setup an account at Equifax for a monthly fee. I use it and I check my credit ratings once a month. When I initially signed up I was just curious but I discovered some serious errors in some reporting with my credit. So I set out to resolve them (takes a LONG time) but my score jumped like 135 points once things were resolved. I used the service at equifax.ca. It's 20 bucks a month or something like that. Now, granted, I'm a computer hacker & privacy advocate SO...

 

[Guido]

I've never tried them, but you can setup an account at Equifax for a monthly fee. I use it and I check my credit ratings once a month. When I initially signed up I was just curious but I discovered some serious errors in some reporting with my credit. So I set out to resolve them (takes a LONG time) but my score jumped like 135 points once things were resolved. I used the service at equifax.ca. It's 20 bucks a month or something like that. Now, granted, I'm a computer hacker & privacy advocate SO...

Thanks for the advice. But why pay every month?.

 

[DannyDevito]

It's called credit Karma. Checked on some reviews to familiarize myself.

Credit Karma Review (Updated for 2017)

[h=2]Consumer Complaints and Reviews[/h]Top 23 Complaints and Reviews about Credit Karma


[h=1]CreditKarma.com Review Scam or Legit Site For Free Credit Scores[/h]
CreditKarma Review Scam or Legit Site For Free Credit Scores

 

[Thomas Crown]

Thanks Danny very helpful. As I understand it you can request 1 free credit report per year from the two credit from Equafax and Trans union. I did some research and found that paying for credit monitoring is just a waist of money. Im sure my credit is fine but it would be nice to check every once in a while

 

[Peter Baires]

Equifax has a special offer where you pay only $4.95 for the first month. Just make sure you call them to cancel the service or they will keep billing you

 

[Warl0ck]

Thanks for the advice. But why pay every month?.

I had no intention to do it, but I discovered several errors on my report so I started the process to fix them. That process is not overnight and took me months for each incident. You can do a one off I believe for a small fee.

It's definitely a good idea to check your credit rating a couple times a year.

 

[Defiler]

Equifax has a special offer where you pay only $4.95 for the first month. Just make sure you call them to cancel the service or they will keep billing you

Unless it has changed, you are allowed to get your credit report from Equifax every 6 months.

 

[ReservoirDog]

Unless it has changed, you are allowed to get your credit report from Equifax every 6 months.

As far as I know it was free a few years back.

 

[Warl0ck]

You can get a free copy but you have to mail documents to Equifax. When you have the paid plan you simply log into the system whenever you want and produce a new report. It's basically a "soft hit" which doesn't affect your credit score. It's kind of interesting to dig into your own credit rating/score.

FYI, the cell phone companies are pretty active with the credit bureau so if you pay your bill late it will definitely show up. Each creditor has a list of number of times late for 30, 60, and 90 days. 650 is apparently the lowest score you can have to get any love by the banks.

 

[cyber]

I just used creditkarma a few days ago and it's free and didn't notice any catch. I got my score instantly after answering some multiple choice verification questions. The questions were related to my recent purchases/loans so I'm sure they're actually accessing my credit history to verify me.