credit-karma

Want Just A Credit Report From TransUnion? Too Bad
Michael wanted to pay a copy of his Transunion credit report. In theory, this shouldn't be a problem: he gives Transunion money, they give him a credit report. If only it worked that way. It turns out that just buying a single copy of your report from Transunion is like trying to buy a mobile phone in America from a retail store: you can get it for "free" with a subscription to monitoring service, or as part of a package deal with other services, but you can't just hand over cash for a credit report. More »

Take Your Score From 650 To 800 With The Credit Karma Report Card

—>Credit Karma recently launched the free Credit Report Card service that assigns letter grades to each component of your credit score. If you want to improve your credit score, try to bring up your performance in areas where you have low or failing grades. Not every component has the same bearing on your score, so underneath each section Credit Karma tells you how much weight it has. For those who look at their reports and scratch their head, the Credit Karma report card, which is drawn from your TransUnion report, makes understanding why your credit score is the way it is a snap. Full screen shot inside.  More »

CreditKarma.com Makes Free Credit Score More Like FICO's

—>The CreditKarma.com site we told you about in our roundup of "5 No BS Ways To Get A Credit Score For Free" has changed its calibration system so the free, advertising-supported, credit score it gives you is now on the 300-850 range, just like your FICO score. It's still not your FICO score, but it does make the approximation, based on TransUnion data, more relevant. If you're do some major money moves, like getting a mortgage, you would still want to pay for the FICO score for total accuracy, but if you just want a general sense of how you're doing, CreditKarma.com is a great way to do it for free.  More »