Current Events > Do any of you frequently use the 1 free credit report annually from

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Smallville
02/29/24 1:34:59 PM
#1:


free credit report.com? Iirc you can request 1 free one each yr from each of the major 3. Idk possibly less people might be doing this than yrs ago

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"That won't work Boss, hide the target in a place they're unlikely to be found"---GZ
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FolkenRawr
02/29/24 1:36:00 PM
#2:


Never. Credit Karma.

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Smallville
02/29/24 1:36:58 PM
#3:


FolkenRawr posted...
Never. Credit Karma.
credit karma is free? Maybe many more people use the other site. It is more heavily advertized and stuff

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FolkenRawr
02/29/24 1:39:44 PM
#4:


Smallville posted...
credit karma is free? Maybe many more people use the other site. It is more heavily advertized and stuff

Yep, completely free.

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ArsGoetia
02/29/24 1:42:50 PM
#5:


its also super inaccurate, idk why
every time ive had my credit pulled, credit karma showed me something like 30-50 pts lower than the lender
when i went and bought my car i had just taken out a new card at lowes and was worried i had fallen out of excellent rating
when the dealer ran my credit it had me over 800 but credit karma showed 745 lol
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Smallville
02/29/24 1:46:08 PM
#7:


ArsGoetia posted...
its also super inaccurate, idk why
every time ive had my credit pulled, credit karma showed me something like 30-50 pts lower than the lender
when i went and bought my car i had just taken out a new card at lowes and was worried i had fallen out of excellent rating
when the dealer ran my credit it had me over 800 but credit karma showed 745 lol
do you find free credit report. com to be accurate? free cr .rep. does not show a credit score though

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"That won't work Boss, hide the target in a place they're unlikely to be found"---GZ
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animebop
02/29/24 1:59:12 PM
#8:


ArsGoetia posted...
its also super inaccurate, idk why
every time ive had my credit pulled, credit karma showed me something like 30-50 pts lower than the lender
when i went and bought my car i had just taken out a new card at lowes and was worried i had fallen out of excellent rating
when the dealer ran my credit it had me over 800 but credit karma showed 745 lol

There are a few credit scores out there. Credit Karma shows the Trans Union Vantage 3.0 score. Nearly every lender uses FICO 8 or FICO 9. Experian and Equifax used to have their own score but stopped using them because they couldn't unseat FICO. Capital One also shows the vantagescore 3.0, as does a lot of other free websites.

Some lenders have their own score that they do not share publicly.

Free Credit Report shows you your credit report but does not score it, it's to make sure that you understand what's on it. Credit Karma can do the same thing but iirc partners with transunion mostly, FCR gives all 3. Really either one works fine.

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Samurai_Man
02/29/24 2:11:45 PM
#9:


Credit Karma is the way.

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Jokeaccountinc
03/03/24 5:00:50 AM
#10:


Noname13 is suspended, MICHALECOLE is purged, Dragon56 is purged, willythemailboy is suspended

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