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!