Quote:
Originally Posted by wdfifteen
You can go straight to Experian, Transunion, and Equifax free once a year. Who needs to take the temperature of those dubious determinations of their credit worthiness more than once a year anyway? They do dream up credit scores which you have to pay to see. Pretty shady business if you ask me. They collect your personal information, come up with some arbitrary evaluation of it, and then charge you to see what they think of you. And then we have outfits like Credit Karma, who will sell you even easier access to this totally fictional information. Buncha crap if you ask me.
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I use Credit Karma, it does seem to track my FICO with what I get on my banking statements.
My score also fluctuates regularly based on purchases.
I do a lot of business purchases so often within a month my usage pushes limit utilization and the score reflects that.
You also want to check more than once a year to keep an eye on identity theft.
One open fraud account can do a lot of damage in a very short period of time.
I check Credit Karma weekly.