If your sister carries a balance month to month on her cards, she’s not using her cards responsibly and you definitely do not need her scores dragging yours down, family loyalty and all. Join Experian.com and creditkarma.com for free, to keep track of your credit reports and FICO 8 score (Experian). Source: about 1 year ago

It could be your moms, I know one of my moms credit cards from 1987 (when I was 2) shows up on mine. But I highly doubt 8 accounts are there. creditkarma.com is another place you can quickly check. Source: about 1 year ago

You're correct that the 795 score is based on Vantage 3.0. I got it from creditkarma.com and it says as much under the scores. Source: about 1 year ago

The big 3 credit agencies are scum. Do not pay them. You DO NOT need to pay them. It's free to freeze your credit (https://www.nerdwallet.com/article/finance/how-to-freeze-credit). It's free to check your credit (www.AnnualCreditReport.com). It's free to monitor your credit (creditkarma.com). Don't give them your money. Source: about 1 year ago

He can also get an approximation of his score via creditkarma.com. It won't be the same one that the landlord will use but it'll give you an idea of the ballpark he's in. Source: over 1 year ago

Like, creating a machine that manufactures one specific type of food is a solved problem. That's basically the entire packaged food industry. You can absolutely make a burger making machine, and even do it to the point that it can run with minimal human intervention. There's restaurants that do that now. But those are purpose built machines that can operate within a narrow, well defined problem space, and are more... Source: about 2 years ago