Credit Score
So I actually use Credit Karma (a completely free site). I read some reviews on it last year and I liked what I read, so I decided to use them once a year to check my score.
Credit Score and Credit Report
I personally use CreditKarma.com which obtains data from TransUnion and attempts to estimate your score as close as possible. I've been very pleased with this service and the best part is it's free!
Credit Karma Review
The second step to the CreditKarma.com genius is their credit simulation feature that can help you predict how your credit score will be affected by certain actions. Do you plan to close a credit card, purposely make a late payment because you can't afford to make one on time? Well using this simulator you can whether or not your credit score changes with each action.
Credit scores in KC area higher than national average, report says
A sign of strength for Kansas City area consumers: the average credit score in January was 680, 11 points better than the national average. The information comes from a sampling of more than 100,000 credit scores by Credit Karma, a consumer credit education and services company that works with troubled borrowers.
Good Credit = Good Karma
They're not like most of the other bait and switch companies that give you the onetime report for free only to automatically upgrade you to a paid service. It's a totally pro-consumer and once you sign up you can check your scores anytime and instead of hitting up subscribers they make their money by onsite advertising and offers from partners.
Zen and the Art of Credit Reporting
Credit Karma swaps free credit reports/scores for personal info. It also dishes up financial advice whose path eventually crosses those of marketing partners "who share our vision of consumer empowerment." The site notes: "Your credit score is kind of an expression of this concept; an index of your credit history: your credit karma.".
Free Credit Score with Credit Karma
You all know that using a credit card, building your credit limit, and paying your balance on time build up your credit score. It's always a good idea to check up on your credit score every now and then. Well, there is a free service out here called Credit Karma.
Track your credit score for free with Credit Karma
Beyond quantifying your fiscal dependability in a single number, Credit Karma also provides some nice reports breaking down the individual areas that contribute to that score. They give you a letter grade and a percentile ranking relative to the rest of the herd, helping point you in the right direction to bring that score up to par.
Credit Karma Launches Savings Dashboard With Targeted Financial Offers
Web traffic at Credit Karma has been growing steadily. The site currently boasts more than 400,000 unique visitors per month, more than double the volume a year ago. Credit Karma also announced that it quadrupled its users in 2009 and now has more than one million subscribers.
Expert Says Ditching Your Credit Card May Not Be Wise
For instance, according to CreditKarma.com, the average consumer with a credit card has a score of 689, while the average score of a person without a card is 563. This means, in order to build good credit and make yourself eligible for a house or car, it's good to regularly use at least one credit card.