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GoldenRod
10 years on LIF!
Member since 11/06 26792 total posts
Name:
Shawn
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Do you track your credit score?
Do you routinely keep track of your credit report/score?
I use CreditKarma, so I check mine out on a regular basis, and my Discover card shows my my FICO score for free whenever I want.
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Posted 3/15/17 7:10 AM  |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: Do you track your credit score?
Yes, absolutely. 
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| Posted 3/15/17 7:37 AM |
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chilltocam
LIF Adult
Member since 11/11 9141 total posts
Name:
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Do you track your credit score?
Yes - through Capital One and Discover
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| Posted 3/15/17 7:55 AM |
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Do you track your credit score?
Yes! Through credit karma
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| Posted 3/15/17 8:00 AM |
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SusiBee
. . . . .
Member since 3/09 8268 total posts
Name:
S
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Re: Do you track your credit score?
yes, thru Amex and Discover.
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| Posted 3/15/17 8:08 AM |
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PhyllisNJoe
My Box Is Broken
Member since 6/11 9145 total posts
Name:
Phyllis
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Re: Do you track your credit score?
Yup. With credit karma
Though I will say it's annoying when we charge a lot for something. It immediately goes down a bunch until it's paid. So now I look after I know it's paid lol
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| Posted 3/15/17 8:31 AM |
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ArmyOfBabies
Growing older but not up
Member since 7/07 4427 total posts
Name:
Jeri
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Re: Do you track your credit score?
Yup, like a crazy hawk. Creditkarma, chase and capital one... I like to make sure they are all around the same, lol.
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| Posted 3/15/17 4:26 PM |
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Disneygirl17
LIF Toddler
Member since 11/16 496 total posts
Name:
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Re: Do you track your credit score?
I use credit karma too. But it doesn't update. I know I paid down some bills and my score didn't change. How often does it update??
Just checked and it went up 2 points lol.
Message edited 3/15/2017 5:32:51 PM.
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| Posted 3/15/17 5:30 PM |
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Jenn79
One more?
Member since 2/12 2410 total posts
Name:
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Re: Do you track your credit score?
I use credit karma and I obsessively check it when I pay down bills to get satisfaction from gaining a few points.
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| Posted 3/15/17 11:00 PM |
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Re: Do you track your credit score?
I use the Mint app which automatically checks my score periodically.
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| Posted 3/15/17 11:49 PM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Re: Do you track your credit score?
It's 3am and I can't sleep. More in the morning.
Credit Karma is what's called a Fako score. It's an estimate of your real FICO score. If you google "credit karma fako" it will come up. It's not a scam just NOT your real score.
Go to (not sure at 3am) annualcreditreport.com I THINK. I WILL CORRECT WHEN I GET A SEC. The credit bureau must give one free look to your credit a year. Space out the reports every 4 months. You will be able to check your report every 4 months then.
Message edited 3/16/2017 3:15:15 AM.
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| Posted 3/16/17 3:14 AM |
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Shroggie
Don't Worry...Be Happy
Member since 5/06 6261 total posts
Name:
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Re: Do you track your credit score?
Yes, every few months I pay for my report and score on myFICO.com, in addition to getting my report annually on annual creditreport.com.
If you want to know how lenders see you, I wouldn't suggest using credit karma. They use a different scoring model and it will not be accurate. I see credit reports daily and constantly have people complaining that their score should be much higher b/c they checked it on credit karma or b/c their credit card statement had a higher score on it.
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| Posted 3/16/17 6:12 AM |
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GoldenRod
10 years on LIF!
Member since 11/06 26792 total posts
Name:
Shawn
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Re: Do you track your credit score?
Posted by Paramount
It's 3am and I can't sleep. More in the morning.
Credit Karma is what's called a Fako score. It's an estimate of your real FICO score. If you google "credit karma fako" it will come up. It's not a scam just NOT your real score.
Go to (not sure at 3am) annualcreditreport.com I THINK. I WILL CORRECT WHEN I GET A SEC. The credit bureau must give one free look to your credit a year. Space out the reports every 4 months. You will be able to check your report every 4 months then.
Yeah, I realize that it's not an actual FICO score, but it does give useful info, and it does line up fairly close to all of my other credit sources (Discover FICO score, credit reports, annual credit report from annualcreditreport, etc).
Just one more tool in the toolbox, as long as you know what it does and doesn't do.
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| Posted 3/16/17 6:52 AM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Re: Do you track your credit score?
Posted by GoldenRod
Posted by Paramount
It's 3am and I can't sleep. More in the morning.
Credit Karma is what's called a Fako score. It's an estimate of your real FICO score. If you google "credit karma fako" it will come up. It's not a scam just NOT your real score.
Go to (not sure at 3am) annualcreditreport.com I THINK. I WILL CORRECT WHEN I GET A SEC. The credit bureau must give one free look to your credit a year. Space out the reports every 4 months. You will be able to check your report every 4 months then.
Yeah, I realize that it's not an actual FICO score, but it does give useful info, and it does line up fairly close to all of my other credit sources (Discover FICO score, credit reports, annual credit report from annualcreditreport, etc).
Just one more tool in the toolbox, as long as you know what it does and doesn't do.
I could not agree more. The problem is most people DON'T know that its not "real".
Its fantastic as a tool, but its not the real picture either.
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| Posted 3/16/17 9:23 AM |
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Salason
♥
Member since 6/05 9878 total posts
Name:
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Re: Do you track your credit score?
I do but through my CC companies and banks. They're all required to provide updated scores for free so it gives me 6 scores to compare.
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| Posted 3/16/17 12:41 PM |
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Do you track your credit score?
I look at mine through my credit cards. We recently bought a car and they ran my credit and it was pretty spot on.
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| Posted 3/16/17 12:59 PM |
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Pumpkin1
LIF Adult
Member since 12/05 3715 total posts
Name:
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Do you track your credit score?
I get my scores from both my mortgage company and my credit cards. While both rank my score as "Excellent," the score on my cc is about 50 points higher than my mortgage score. Is that odd?
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| Posted 3/16/17 1:10 PM |
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