Author Topic: CreditKarma.com - Free Credit Score (FAKO)  (Read 91996 times)

Offline doublejay

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Re: credit karma - free
« Reply #40 on: August 11, 2011, 05:07:08 PM »
apparently it's a more advanced version. email updates or something.

signed up. don't see much useful info.

Offline compddd

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Re: credit karma - free
« Reply #41 on: August 11, 2011, 05:08:01 PM »
It's only useful for seeing your TU score and it'll tell you if there's new inquiries.

Offline AJK

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Re: credit karma - free
« Reply #42 on: August 12, 2011, 05:05:52 AM »
There are no more offers, so this deal is dead. However, to answer your question, CK offers a FAKO.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline bubbles

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Re: Almost gone. CreditKarma credit monitoring
« Reply #43 on: October 25, 2011, 01:31:39 PM »

Offline yaakov s

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Re: Almost gone. CreditKarma credit monitoring
« Reply #44 on: October 25, 2011, 01:51:47 PM »
Do they show you your actual credit report or just your score?

Offline bubbles

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Re: Almost gone. CreditKarma credit monitoring
« Reply #45 on: October 25, 2011, 01:56:56 PM »
Do they show you your actual credit report or just your score?

they don't show you the actual report but they tell you how many inquires there are. plus open accounts, balances and age

Offline dans fan

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Re: Almost gone. CreditKarma credit monitoring
« Reply #46 on: October 25, 2011, 02:02:56 PM »
is it the real fico or fake number

Offline yaakov s

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Re: Almost gone. CreditKarma credit monitoring
« Reply #47 on: October 25, 2011, 02:06:07 PM »
is it the real fico or fake number
Fako

Offline AJK

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Re: Almost gone. CreditKarma credit monitoring
« Reply #48 on: October 25, 2011, 02:23:03 PM »
In for 1. Great find. Thanks.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline AJK

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Re: Almost gone. CreditKarma credit monitoring
« Reply #49 on: October 25, 2011, 02:26:22 PM »
they don't show you the actual report but they tell you how many inquires there are. plus open accounts, balances and age

Can you see who made the inquiries?
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline bubbles

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Re: Almost gone. CreditKarma credit monitoring
« Reply #50 on: October 25, 2011, 02:35:46 PM »
Can you see who made the inquiries?

Actually don't have any pulls on my TU report so not sure

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Re: Almost gone. CreditKarma credit monitoring
« Reply #51 on: October 25, 2011, 02:41:27 PM »
Actually don't have any pulls on my TU report so not sure

After playing around with it for a little while, it seems you can't. But it answer the question I needed answering:

After freezing both E's I got two pulls on my TU when using recon after a 3BM. Boo.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline smurf

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Re: Almost gone. CreditKarma credit monitoring
« Reply #52 on: October 25, 2011, 03:30:53 PM »
After playing around with it for a little while, it seems you can't. But it answer the question I needed answering:

After freezing both E's I got two pulls on my TU when using recon after a 3BM. Boo.
Ouch! I just did a 3bm with frozen E's :-\

Offline AJK

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Re: Almost gone. CreditKarma credit monitoring
« Reply #53 on: October 25, 2011, 03:47:08 PM »
Ouch! I just did a 3bm with frozen E's :-\

Would seem to me that the only way to avoid multiple inquiries would be to get them pushed through on the same call (even though that's much harder). If not, smack + smack (and in the case of 3BM, another smack).

Let us know how it turns out.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Cbs

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Re: CreditKarma.com - Free Credit Score
« Reply #54 on: October 25, 2011, 04:31:36 PM »
a week ago i checked my score on creditkarma and it said that since september (in one month) my score went up 57 points. is that very good or normal?
and when i checked again today it said that 1 of 3 inquiries were taken off my report.

Offline Fan of Dan

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Re: CreditKarma.com - Free Credit Score
« Reply #55 on: October 30, 2011, 10:23:28 PM »
a week ago i checked my score on creditkarma and it said that since september (in one month) my score went up 57 points. is that very good or normal?
and when i checked again today it said that 1 of 3 inquiries were taken off my report.
that is better than good. Almost hard to believe.

Thanks to CK I noticed that in the process of my securing an auto loan with Navy federal credit union thay ran my credit three times although they said they would run it once so I am now going to dispute it. Wonder how they work these things out.

Offline bubbles

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Re: CreditKarma.com - Free Credit Score
« Reply #56 on: October 30, 2011, 10:32:35 PM »
that is better than good. Almost hard to believe.

Thanks to CK I noticed that in the process of my securing an auto loan with Navy federal credit union thay ran my credit three times although they said they would run it once so I am now going to dispute it. Wonder how they work these things out.

from what i understand when it comes to auto loans and mortgages as long as the pulls are in the same general time frame creditors will only look at it like one pull because they realize that you were not looking for multiple mortgages and rather were shopping around for rates.

Offline Saver2000

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Re: CreditKarma.com - Free Credit Score
« Reply #57 on: October 30, 2011, 10:41:38 PM »
that is better than good. Almost hard to believe.

Thanks to CK I noticed that in the process of my securing an auto loan with Navy federal credit union thay ran my credit three times although they said they would run it once so I am now going to dispute it. Wonder how they work these things out.

Inquiries are generally not disputable with the credit bureau (although there is a special form that you can use -- its posted somewhere on the forum).
You will need to dispute with the bank, they have the capabilities to remove it.

Offline AJK

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Re: CreditKarma.com - Free Credit Score
« Reply #58 on: October 30, 2011, 11:14:30 PM »
Inquiries are generally not disputable with the credit bureau

Not sure why you say that. I've done it at least once.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline Saver2000

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Re: CreditKarma.com - Free Credit Score
« Reply #59 on: October 30, 2011, 11:25:25 PM »
Not sure why you say that. I've done it at least once.

I'm speaking from experience,  I've tried numerous times with the different bureaus and was always told its not possible. I didn't want to use the specialized form bec I read somewhere that that flags your acct for fraudulent inquiries making it harder to get instant approval later on.

How did u do it? The regular dispute process?