Credit Karma VS Credit.com

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: 11 months 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: about 1 year ago

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: 12 months ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: about 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: about 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: about 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: about 1 year ago