LIFamilies.com - Long Island, NY


RSS
Articles Business Directory Blog Real Estate Community Forum Shop My Family Contests

Log In Chat Index Search Rules Lingo Create Account

Quick navigation:   

Do you track your credit score?

Posted By Message

GoldenRod
10 years on LIF!

Member since 11/06

25115 total posts

Name:
Shawn

Do you track your credit score?

Do you routinely keep track of your credit report/score?

I use CreditKarma, so I check mine out on a regular basis, and my Discover card shows my my FICO score for free whenever I want.

Posted 3/15/17 7:10 AM
 
Long Island Weddings
Long Island's Largest Bridal Resource

Hofstra26
Take Me To Disney!

Member since 7/06

24223 total posts

Name:
Kristen

Re: Do you track your credit score?

Yes, absolutely. Chat Icon

Posted 3/15/17 7:37 AM
 

chilltocam
LIF Adult

Member since 11/11

7936 total posts

Name:

Do you track your credit score?

Yes - through Capital One and Discover

Posted 3/15/17 7:55 AM
 

TwinMommyToBoys
LIF Adult

Member since 12/16

2002 total posts

Name:

Do you track your credit score?

Yes! Through credit karma

Posted 3/15/17 8:00 AM
 

SusiBee
. . . . .

Member since 3/09

8238 total posts

Name:
S

Re: Do you track your credit score?

yes, thru Amex and Discover.

Posted 3/15/17 8:08 AM
 

PhyllisNJoe
My Box Is Broken

Member since 6/11

7921 total posts

Name:
Phyllis

Re: Do you track your credit score?

Yup. With credit karma

Though I will say it's annoying when we charge a lot for something. It immediately goes down a bunch until it's paid. So now I look after I know it's paid lol

Posted 3/15/17 8:31 AM
 

ArmyOfBabies
Growing older but not up

Member since 7/07

4426 total posts

Name:
Jeri

Re: Do you track your credit score?

Yup, like a crazy hawk. Creditkarma, chase and capital one... I like to make sure they are all around the same, lol.

Posted 3/15/17 4:26 PM
 

Disneygirl17
LIF Toddler

Member since 11/16

496 total posts

Name:

Re: Do you track your credit score?

I use credit karma too. But it doesn't update. I know I paid down some bills and my score didn't change. How often does it update??

Just checked and it went up 2 points lol.

Message edited 3/15/2017 5:32:51 PM.

Posted 3/15/17 5:30 PM
 

Jenn79
One more?

Member since 2/12

2323 total posts

Name:

Re: Do you track your credit score?

I use credit karma and I obsessively check it when I pay down bills to get satisfaction from gaining a few points.

Posted 3/15/17 11:00 PM
 

EclecticEsq10810
Always be closing..

Member since 10/10

2039 total posts

Name:
L.

Re: Do you track your credit score?

I use the Mint app which automatically checks my score periodically.

Posted 3/15/17 11:49 PM
 

Paramount
Sweet!

Member since 7/12

4272 total posts

Name:

Re: Do you track your credit score?

It's 3am and I can't sleep. More in the morning.

Credit Karma is what's called a Fako score. It's an estimate of your real FICO score. If you google "credit karma fako" it will come up. It's not a scam just NOT your real score.

Go to (not sure at 3am) annualcreditreport.com I THINK. I WILL CORRECT WHEN I GET A SEC. The credit bureau must give one free look to your credit a year. Space out the reports every 4 months. You will be able to check your report every 4 months then.

Message edited 3/16/2017 3:15:15 AM.

Posted 3/16/17 3:14 AM
 

Shroggie
Don't Worry...Be Happy

Member since 5/06

6261 total posts

Name:

Re: Do you track your credit score?

Yes, every few months I pay for my report and score on myFICO.com, in addition to getting my report annually on annual creditreport.com.

If you want to know how lenders see you, I wouldn't suggest using credit karma. They use a different scoring model and it will not be accurate. I see credit reports daily and constantly have people complaining that their score should be much higher b/c they checked it on credit karma or b/c their credit card statement had a higher score on it.

Posted 3/16/17 6:12 AM
 

GoldenRod
10 years on LIF!

Member since 11/06

25115 total posts

Name:
Shawn

Re: Do you track your credit score?

Posted by Paramount

It's 3am and I can't sleep. More in the morning.

Credit Karma is what's called a Fako score. It's an estimate of your real FICO score. If you google "credit karma fako" it will come up. It's not a scam just NOT your real score.

Go to (not sure at 3am) annualcreditreport.com I THINK. I WILL CORRECT WHEN I GET A SEC. The credit bureau must give one free look to your credit a year. Space out the reports every 4 months. You will be able to check your report every 4 months then.



Yeah, I realize that it's not an actual FICO score, but it does give useful info, and it does line up fairly close to all of my other credit sources (Discover FICO score, credit reports, annual credit report from annualcreditreport, etc).
Just one more tool in the toolbox, as long as you know what it does and doesn't do.

Posted 3/16/17 6:52 AM
 

Paramount
Sweet!

Member since 7/12

4272 total posts

Name:

Re: Do you track your credit score?

Posted by GoldenRod

Posted by Paramount

It's 3am and I can't sleep. More in the morning.

Credit Karma is what's called a Fako score. It's an estimate of your real FICO score. If you google "credit karma fako" it will come up. It's not a scam just NOT your real score.

Go to (not sure at 3am) annualcreditreport.com I THINK. I WILL CORRECT WHEN I GET A SEC. The credit bureau must give one free look to your credit a year. Space out the reports every 4 months. You will be able to check your report every 4 months then.



Yeah, I realize that it's not an actual FICO score, but it does give useful info, and it does line up fairly close to all of my other credit sources (Discover FICO score, credit reports, annual credit report from annualcreditreport, etc).
Just one more tool in the toolbox, as long as you know what it does and doesn't do.



I could not agree more. The problem is most people DON'T know that its not "real".

Its fantastic as a tool, but its not the real picture either.

Posted 3/16/17 9:23 AM
 

Salason

Member since 6/05

9878 total posts

Name:

Re: Do you track your credit score?

I do but through my CC companies and banks. They're all required to provide updated scores for free so it gives me 6 scores to compare.

Posted 3/16/17 12:41 PM
 

NoPlaceLikeHome
LIF Toddler

Member since 10/15

428 total posts

Name:

Do you track your credit score?

I look at mine through my credit cards. We recently bought a car and they ran my credit and it was pretty spot on.

Posted 3/16/17 12:59 PM
 

Pumpkin1
LIF Adult

Member since 12/05

3715 total posts

Name:

Do you track your credit score?

I get my scores from both my mortgage company and my credit cards. While both rank my score as "Excellent," the score on my cc is about 50 points higher than my mortgage score. Is that odd?

Posted 3/16/17 1:10 PM
 
 

Potentially Related Topics:

Topic Posted By Started Replies Forum
where can i get all three free credit reports and credit score? 04bride 10/10/05 0 Families Helping Families ™
Help I'm having a credit score anxiety attack!! Updated: this is all my fault Disneygirl 10/14/08 23 Families Helping Families ™
Where can i get my credit score for free? igottabeme 2/24/08 8 Families Helping Families ™
UPDATE AT BOTTOM ABOUT COMPANY THAT PUT THE COLLECTION ITEM ON MY REPORT! Credit Report Score Question MrsRbk 9/25/06 7 Families Helping Families ™
Aside from applying for a loan, is there anyway of getting your credit SCORE? HereWeGoAgain 1/24/06 10 Families Helping Families ™
FREE credit reports - starting 9/1 - Got a high score you want to share? DjPiLL 8/28/05 9 Home
 
Quick navigation:   
Currently 49781 users on the LIFamilies.com Chat
New Businesses
Carleton Hall of East Islip
J&A Building Services
LaraMae Health Coaching
Sonic Wellness
Julbaby Photography LLC
Ideal Uniforms
Teresa Geraghty Photography
Camelot Dream Homes
Long Island Wedding Boutique
MB Febus- Rodan & Fields
Camp Harbor
Market America-Shop.com
ACM Basement Waterproofing
Travel Tom
Yoga Womb/ SECS talk

      Follow LIWeddings on Facebook

      Follow LIFamilies on Twitter
Long Island Bridal Shows