What Is Your Experience With CreditKarma?

Today we’re gonna look at ways to obtain your free credit rating courtesy of an online site I’ve been using pretty much since its inception. Prior to the introduction of CK and websites enjoy it, obtaining a credit history, especially a no cost one, was obviously a minefield because you tried to dodge, duck, dip, dive, and dodge the right path past quite a few online scams. While those scams continue to exist, they’re much simpler to avoid right now thanks to sites like CreditKarma and CreditSesame.



Founded in 2007 Credit Karma has evolved from simply showing you an “estimated” credit worthiness, to really providing you with exact numbers from TransUnion and Equifax. Signing up is usually a three step process and its particular similar to subscribing to similar loan companies in that you will need to verify your identity which causes the area proceed.



Once you’re in you’ll have instant access to both your Transunion and Equifax people's credit reports and reports. The homepage just teaches you your scores, however if you go deeper you can see how those scores are derived, lets make sure that out. As mentioned within the article regarding how your credit standing is calculated, there are several major factors that you’ll want to examine.

Lucky for many people, CreditKarma lays those in a simple to comprehend format and they’ll inform you where you’re achieving a lot, and making it possible to be doing better. For each factor listed CK will let you know whether or not it provides a high, medium, or low affect your credit standing.