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There are intermittent network issues with TransUnion currently. We believe it will be resolved within the next hour or two. 

Looks like a bug. Our engineers are on it. We will patch it in our next release. Thanks for reporting it. 

Thank you for the kind words. We know many people are confused about finances and credit. Our goal is to help in any little way we can. 

I forwarded your message to the team as I am sure it will put a smile on their faces. 

They waived my late fee after I was late for 4 days with a simple 2 sentence email. I'm not usually enamored with credit card companies but this was a nice thing Discover did.

@woodwinds

We hear you loud and clear. We are working on a some features to address this point. Give us a few more weeks.

@dangerp

You are absolutely right about age of trade line and its importance on credit scores. I think we were merely pointing out that that there are dozens of variables in the credit scoring model.

Based on their comment at Finnovate, the free service will continue. The model is based on the people who make many more then 10 trades per month. They claim a substantial percent of their users do.

@ Creator11

Check out the tools portion of the site. We plan on having more analysis and data to share with users: http://www.creditkarma.com/trends/age

@williamssgm, matt3480, NGIEDAN

Check out the blog articles and let me know if it helps clear up the confusion:

http://blog.creditkarma.com/credit-scores/more-about-scores-and-the-differences/

We were just notified that the rate is dropping to 3.55%

Remember the offer expires in 4 days.

The technical specs we received for the score are 150-950. We haven't seen anything below 400 or anything near the 950. From my experience, the extremes are always hard to reach since it becomes exponentially more difficult. For example, 950 would imply no risk, and 150 guaranteed default.

As soon as we move out of beta, we will be providing the complete distribution of our credit score against both the nation and the our user base. Our beta was designed to capture how this score compares against other scores.