Author Topic: CreditKarma.com - Free Credit Score (FAKO)  (Read 92855 times)

Offline mofreed

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Re: CreditKarma.com - Free Credit Score
« Reply #260 on: January 05, 2015, 11:05:49 AM »
i just applied for credit karma and they want a passport and license is that standard? i have never checked credit b4 mayb it has something to do with that none of the credit unions have any verification of me?

Offline DMYD

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Re: CreditKarma.com - Free Credit Score
« Reply #261 on: January 05, 2015, 11:19:18 AM »
i just applied for credit karma and they want a passport and license is that standard? i have never checked credit b4 mayb it has something to do with that none of the credit unions have any verification of me?
Passport and license? never heard that.

Offline mofreed

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #262 on: January 06, 2015, 06:47:15 AM »
well no they need a primary doc like passport and licence and a secoendary doc like utility bill or such but 2 primary docs work as well. the point is the first time u check credit do u ever have to send such info to credit agencies?

Offline mofreed

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #263 on: January 06, 2015, 06:52:10 AM »
this is what it says on website

As part of our commitment to security, you are required to answer a few verification questions during Step 3 of registration. These verification questions are based off of information from your TransUnion credit file.

If there’s not enough information in your TransUnion credit file to create questions, or if these questions are not answered successfully, Credit Karma asks for additional verification via identification documents.

If you are unable to complete Step 3 and have been asked to verify your identity via identification documents, you must mail or fax over photocopies of two different pieces of identification. We only need photocopies, not originals, and documents need to be valid (not expired).

You will need to include a letter indicating that you are sending documentation to verify your identity and activate your account.

Please choose 1 item from each of the following two lists:

Primary:

Driver’s License or State ID
Passport
Green Card /Temporary Resident Card
Birth Certificate
Secondary:

Another Primary Document
Social Security Card
Utility Bill. (Address must match at least one on file with TransUnion)
These photocopies can be sent to Credit Karma either by secure fax at 855-307-7212 or to our P.O. Box:

Credit Karma, Inc.

Attn: Member Support

P.O. Box 520

San Francisco, CA 94104-0520

For security reasons, please do not send your documentation by e-mail. Once we receive your documents, we’ll try to update your account within five business days. You will receive an automated email message once you have access to your account.

 

Offline yitzy93

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #264 on: January 06, 2015, 11:36:20 AM »
I also got this message about ID verification when I signed up a few days ago.
They said I need to mail it.
Will it seem suspicious to them that I'm mailing it from Israel, will that affect the verification process?

Offline avromie7

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #265 on: January 06, 2015, 12:49:46 PM »
I also got this message about ID verification when I signed up a few days ago.
They said I need to mail it.
Will it seem suspicious to them that I'm mailing it from Israel, will that affect the verification process?
So mail it to someone in the states and have them mail it
I wonder what people who type "u" instead of "you" do with all their free time.

Offline mofreed

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #266 on: January 06, 2015, 01:25:52 PM »
u can also fax it they have two diff info spots regarding that one of them which says this:

These photocopies can be sent to Credit Karma either by secure fax at 855-307-7212 or to our P.O. Box:

Credit Karma, Inc.

Attn: Member Support

P.O. Box 520

San Francisco, CA 94104-0520

For security reasons, please do not send your documentation by e-mail. Once we receive your documents, we’ll try to update your account within five business days. You will receive an automated email message once you have access to your account.

 

Offline Red

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #267 on: February 13, 2015, 07:06:25 AM »
Not sure if it was mentioned, you can now view your TU and EQ reports.

Offline Emkay

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #268 on: February 13, 2015, 08:05:43 AM »


Not sure if it was mentioned

It was

Offline Red

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #269 on: February 13, 2015, 09:09:03 AM »

Offline ranhan429

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #270 on: February 17, 2015, 12:37:52 PM »
Need proof that CK is currently giving a FAKO score.
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Offline Emkay

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #271 on: February 17, 2015, 12:44:15 PM »
Need proof that CK is currently giving a FAKO score.
Is that a question?

Offline ranhan429

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #272 on: February 17, 2015, 01:07:54 PM »
Is that a question?

Sorry got in a heated debate with someone -- tried to explain that CK is FAKO but he wouldn't accept it. Think I finally convinced him, but basically CK tweeted (can't find source now) that they are giving FICO scores from TU and exp. Pretty misleading I tried to explain, but it's not the true score.
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Offline D93

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #273 on: February 17, 2015, 01:30:24 PM »
Sorry got in a heated debate with someone -- tried to explain that CK is FAKO but he wouldn't accept it. Think I finally convinced him, but basically CK tweeted (can't find source now) that they are giving FICO scores from TU and exp. Pretty misleading I tried to explain, but it's not the true score.

CK is actually VantageScore not FAKO - http://www.investopedia.com/articles/personal-finance/091714/fico-or-fako-limitations-free-credit-scores.asp

Offline Dan

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #274 on: February 17, 2015, 01:33:32 PM »
Anything that's not FICO is derisively called FAKO.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline ranhan429

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Offline ranhan429

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #276 on: February 17, 2015, 01:34:00 PM »
Anything that's not FICO is derisively called FAKO.
Yep.
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Offline Drago

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #277 on: February 18, 2015, 05:05:09 AM »
Has anyone actually analyzed what the typical difference is btw their FICO and FAKO scores?

Offline Emkay

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #278 on: February 18, 2015, 05:52:26 AM »
Has anyone actually analyzed what the typical difference is btw their FICO and FAKO scores?
i cant seem to find it now but i remember someone posting an in depth analysis here http://ficoforums.myfico.com/

Offline ChaimMoskowitz

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Re: CreditKarma.com - Free Credit Score (FAKO)
« Reply #279 on: February 18, 2015, 06:03:31 AM »
Has anyone actually analyzed what the typical difference is btw their FICO and FAKO scores?
There is no correlation between the two.
I just found a new supply of forks!