Description: The article is about creditkarma login. The author wants to share the experiences she had with Credit Karma account, including some faults she had when using the card, she strongly urges us that we had better not utilize that card and tells us something that needs to be paid attention to if we choose to use it.
Welcome to creepy corners, if you’re new, don’t forget to subscribe, if you want something, so today I wanted to talk to you about my truth about Credit Karma, because this is the experience that I had with it, I feel naive and ignorant about this, but I wanted to share this experience with you, so you would know it, hopefully the same thing won’t happen to you that has happened to me and you won’t be disappointed and letdown and all that stuff.
This is a smidge different than in my normal videos, but I thought I would like to warn you, so for the past few years, I guess I’ve had a Credit Karma account and I’ve been checking my credit, they’ve definitely brought some things to my attention, so I’ve been making sure that I’m doing better on my credit and that my credit score is going up, it’s been very helpful, so let me see what’s going on and not have to request, go through all the different stuff that Equifax and TransUnion and all that stuff asks for everything.
I think you only get a free copy from there every year or something like that with Credit Karma, you get as you know if you want to check your credit score 15 times a day, you can do it, but recently, as you know, I bought a new car which was very exciting, after I made my first payment, Anna, she got a say, I know your baby might do that.
So after I bought my first car Mar, my new car, my credit score, after I made my first payment, it went up 57 points which was exciting, as you can probably imagine, I was excited about it and I was telling my mother, I was tell my husband, I was excited, because my credit score has not been great over the years.
If we’re honest, so flash-forward, it’s been since I got my car and it’s steadily seems like it, my credit score has been steadily getting better which is great and recently, I’ve been looking into making a major purchase, so it’s one that requires credit checks.
I found out and this is where my truth comes in that the credit score that the company that had to pull my credit told me was a hundred points lower than what my Credit Karma credit scores show now, as you can probably imagine, I was extremely disappointed, I was sad to hear that what I thought had gone up so much, it was coming back to a company, that is going to try to lend me money as a hundred points lower than what I thought it would be.
So I talked to the representative who was running my credit and I asked why it would be such a huge difference and they told me that Credit Karma, I also have a major credit card and they have a credit check thing that you can check and that was also showing the same thing.
Credit Karma was showing, I was asking you why it would be so different from what you’re seeing to what they’re telling me, I was told that Credit Karma shows a higher score so that they’ll keep you spending which makes you buy things and have revolving credit.
It helps you improve your credit score, if you’re paying on time, that’s a key of course, if you have an account with a credit card company, they’ll add on some points, because you have an account with them, so I had this conversation with this, with this Bank representative.
I went to credit Karma’s website and I I tried to search and figure out why it would be such a huge tip, because I could understand if it was 10 or 15 points lower or something like that, I get that, but maybe better than a hundred points.
I mean that’s a hundred points lower, that’s a huge difference, so I go and look on their website to try to find why there’s such a difference depending on why you’re getting your credit pulled, the score that comes back for each of the different types of buying a car, it might come back different than what Credit Karma shows or you know whatever making a major purchase, it may show as a different number.
But if you’re in finance out there and if you have an explanation for this for me, because that is all I could find, I’m not searching for the right thing, but all I could find about it is that depending on why you’re getting your credit checked or what you’re trying to purchase.
The number can be different, but it is normal for it to be a hundred points different, so I think the reason I wanted to tell you was like I said at the beginning, because I want you to check into it, if you use Credit Karma which I bet, I bet many people to keep an eye on their credit, because it’s free and whatever, but double check with the actual credit companies to see what your credit score is.
I know a lot of them will charge you, because when I went to try to find out, I don’t remember what website it was, but it asked me for my credit card information to get the credit score, I thought no, I’m not going to do that, but I feel like it’s worth it in some respects to pay for that extra information, because what a disappointment that was to here especially when I’ve been working so hard and trying to get my credit score higher so that I can get some things that I want or whatever.
So if you have any experience with this, if you’ve gone through this before, if you’re an accountant or in the financial realm in some way and you have some knowledge about this, please talk to me about it and share your knowledge with us, because I’m curious about why it would be that.
That’s the part that gets me, so I think that’s going to be for today’s video, if you’re still here, thank you for your time, don’t forget to subscribe and leave me a comment, tell me what you think about this situation, be nice to me.
We all have to start from somewhere, I hope you had a great weekend, I hope you’re going to have a great week coming up, have a good day or a good night, I will talk to you on Wednesday, I post videos on Wednesdays, I will talk to you next time on Wednesday, thank you for your attention, click here to subscribe or click here to watch another video, see you later creepy vocals.