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Credit Karma provides a cool new way to track your overall credit health without paying a fee. Money Under 30 has everything you need to know about money, written by real people who've been there.
I tried using this and it was mostly helpful – but not all of my credit cards showed up.
What I know is this: Each credit bureau (Equifax, TransUnion, and Experian) has their own way of scoring, and they provide different credit scores (many on different scales) to different clients. Thanks for the recommendation — I was just able to see a 40 point jump in my score as I start really paying down my high-interest credit card debt! You are probably aware that all three credit bureaus are required by federal law to provide you with a free credit report annually. The most common free credit report scam is to offer you a free credit score or free credit report that actually is a trial subscription to an expensive credit monitoring service.
Unfortunately, even once you get to the true free credit report website, you still are not home free. Once you click that red button, you will have to enter identifying information to retrieve your credit report, including your full-name, social security number, address and so on. Many people are confused by the fact that there is NO LAW requiring anyone to give you a free credit SCORE.
As with all things related to money on the internet, it is important to be informed and to know exactly what you are looking for, and making sure you get to the right place.
There’s still no catch, which is why Credit Karma remains our favorite place to quickly and easily check your own credit data at absolutely zero cost.

With Credit Karma’s new offering, you can retrieve your free TransUnion credit report and get updates as often as once a week. Just create a free Credit Karma account, answer a few questions to identify yourself, and you’ve got your score. Enter your email to receive our free weekly newsletter and MoneySchool, our free 7-day course that will help you make immediate progress on whatever money challenge you're facing right now. He's a cited authority on personal finance and the unique money issues we face during our first two decades as adults.
The free government mandated credit report website does NOT have the word FREE in it’s name. This is true both of blatant, fraudulent scammers, and all of the legitimate credit bureaus and myFICO. The three major credit bureaus have taken advantage of this federal law to try and generate even more revenue at the expense of customers looking to improve their credit score and clean up their credit reports. Can you spot the free credit reports all three credit bureaus are required to offer you by law?
Credit Karma is legit, but it’s scores are estimates based on only one credit report.
Another good precaution is to generate a temporary or limited credit card number if your credit card company allows it. Secondly, there are third-party companies that create credit scores based upon credit bureau data. You may think that the best way to get your free credit report is to call the major credit bureaus directly, but actually the best way is to use the FTC approved free annual credit report website. If you go to any site with the word free in it, prepare to be scammed or signed up for expensive credit monitoring services.

Be very, very careful to read all of the fine print and make sure that you do not see anything about a trial period, or a subscription before clicking OK.
If it is asking for a credit card, you have clicked the wrong button, or have checked the wrong box and are signing up for a service you don’t want or need. There are some services that offer a free credit score, but you’ll want to be careful using them as well. Sometimes, getting the last score they pulled for you is as simple as just asking, or check the website. I got a consolidation loan from my Credit Union last week and was give a credit score ONE HUNDRED points higher that Credit Karma showed!
The easiest way to avoid the scam is to NOT enter your credit card number or bank information. I am saving thousands on interest now over the long-term and will be debt-free in 23 months. What this means is that any one of us could have at least dozens of different credit scores available at any one time. Credit Karma’s consistently low credit scores made me feel bad and discouraged me from reaching out to my bank for a long time.
So the value in Credit Karma is a) knowing where you stand and b) tracking your progress over time.

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