Credit Karma

Back in January, when I wrote about paying six bucks to get my credit score, I got a comment from Kacie about how I could try Credit Karma next time if I wanted to get a credit score for free.  Checking this out was on my to-do list ever since, but I never quite seem to get to the end of that list.  I finally sat down to check out Credit Karma a few days ago, and I’m so glad I did.

I read everything I could find on the site, and I am truly convinced that there are no strings attached.  I didn’t have to enroll in an sort of credit protection service, and I didn’t have to pay for my score.  It took about three minutes to create an account and get my credit score.  Instead of the weird VantageScore 501 – 990 system that Experian used when I paid for my score from them, the Credit Karma score used the traditional 300 – 850 scoring system.

My husband and I both created accounts.  My credit score was a 768, and his was a 780.  Anything over a 750 is considered excellent, so I’m quite happy with my 768.  Last month I had wondered if we should someday finance a car in order to raise my credit score, and now I’m no longer concerned about it.  Purchasing another house once we sell our current one should be a relatively smooth process if we have at least a 20% down payment and those credit scores.  So all is good.

I wish that I had known about Credit Karma a few months ago, before I paid for our credit scores.  But I’m glad that Kacie mentioned it in her comment, and glad that I finally got around to checking out the site.  Better late than never!