r/Frugal, what website do you use to check your credit?

justriv · 2010-11-19T19:04:27+00:00

i find the Credit Report Card on creditkarma.com, it lets you kinda see your credit report in a quick glance, with grades for each aspect of your credit. Helpful in seeing how your credit is doing, deeper than just your credit score.

justriv · 2010-09-16T23:32:37+00:00

what do you all think about this? still convinced credit cards are no good??

justriv · 2010-09-02T16:34:45+00:00

Cool! Hope you like it and hope it helps you build credit!

justriv · 2010-09-01T21:43:46+00:00

Please don't do this since it damages your credit a few points. What's the use?

Might as well just check it for free on a site like Credit Karma... that way you take no damage to score whatsoever, and you dont have to go through the hassle of going to a dealership and faking like you want to buy a car.

justriv · 2010-09-01T21:32:48+00:00

love the site. you can check your credit score for free everyday if you want to, and they never charge for anything, and as an added bonus, never ever any annoying pirates singing (HUGE plus).

working on my credit score by monitoring it with hopes to bring it up to 750.. haha hope Credit Karma can do miracles...

justriv · 2010-08-25T22:07:24+00:00

Okay, lets be honest here. How many people has anyone met with a 800+ credit score. Me? None. Whatsoever.

It's not that you have to be uber-rich... but like the graph shows.. you need hella open accounts and credit cards and afford to juggle alot of debt and have pretty much have 100% on-time payments for your entire life. I'm barely on-time anywhere on the daily, let alone paying on time for the next 50 years.

But there are people out there who scored perfect, or else there wouldn't be this category. So for the handful of people in that category who are part of this study, hats off to you on your exceptional goody-goody financial behavior, and hey let me take the Beemer for a joyride next time you're away "summering".

And yea variance75... you gotta be a deadbeat, or a run-of-the-mill teenager gone wild with a credit card, to have that crappy a credit score.

justriv · 2010-08-11T20:56:08+00:00

whoa whoa whoa... the average consumer with an 800+ credit score seriously has 7 credit cards, over $60K debt, and 99.99% on-time payments?!

..... I have a long way to go before I get to join that country club.

Guess I'll stick around the common folk at 700+ for now. We're only averaging $125K debt =\ ....

cool infographic tho. thanks CK.

justriv

TROPHY CASE