dslreports logo
 
    All Forums Hot Topics Gallery
spc

spacer

Search Topic:
uniqs
5804
share rss forum feed


SuperNet
Go Ninja,Go Ninja Go..
Premium
join:2002-10-08
Hoffman Estates, IL
kudos:5

Do you trust creditkarma.com

Do you trust creditkarma.com ?
I wanted to try it but sometimes I get scared with these kind of sites esp when i give my SS#..

Thanks
--
»www.RestartYourComputer.net


John Galt
Forward, March
Premium
join:2004-09-30
Happy Camp
kudos:8

3 recommendations

And rightly so...

You're entitled to one free credit report per year from each of the major providers. Do that instead.

mocycler
Premium
join:2001-01-22
kudos:1
reply to SuperNet
They all ask for your SS#. There is no real way around it, so don't use that alone as a measure of how trustworthy they are.

But John Galt See Profile is right. Skip the middleman and go straight to the source. They will want your SS too but at least you know who you are dealing with.
--
»www.twentyfirstsummer.com

bbear2
Premium
join:2003-10-06
94045
kudos:5
reply to SuperNet
+1 for both of the previous replies.


Gbcue
Premium
join:2001-09-30
Santa Rosa, CA
kudos:8
Reviews:
·AT&T U-Verse
reply to SuperNet
said by SuperNet:

Do you trust creditkarma.com ?
I wanted to try it but sometimes I get scared with these kind of sites esp when i give my SS#..

Thanks

Yes, I use it all the time.


beerbum
Premium
join:2000-05-06
Reading, PA
kudos:1
Reviews:
·Comcast
reply to John Galt
said by John Galt:

You're entitled to one free credit report per year from each of the major providers.

I do not believe tho, that those providers will provide your credit score for free. They give only the report.


Tex
Dave's not here
Premium
join:2012-10-20
kudos:2
reply to SuperNet
I've been using CK for years.


linicx
Caveat Emptor
Premium
join:2002-12-03
United State
reply to SuperNet
I call directly to each company. The difference in reporting is amazing
--
Mac: No windows, No Gates, Apple inside
Expand your moderator at work


Anonymous_
Anonymous
Premium
join:2004-06-21
127.0.0.1
kudos:2
Reviews:
·Time Warner Cable
reply to SuperNet

Re: Do you trust creditkarma.com

Over 800+ credit score the real one they use for buying a house or getting a lease credit card etc....

this is the only way to get the "real score".

that was in November last year . so I'm sure it's a little higher then it was before.


dcurrey
Premium
join:2004-06-29
Mason, OH
Reviews:
·Cincinnati Bell
·ViaTalk
·Time Warner Cable
reply to SuperNet
I have seen a couple of credit cards actually provide your credit score every month for free.

My Discover started doing this a few months ago. Think Capital One also has it. I am sure others do also.

Might be something to look into if you are also in the market for a credit card.

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:6
reply to SuperNet
Their TV ads explicitly state that you do NOT need to give them your Social Security number. I think their ads are full of BS as how would they have any idea what your FICO score is without your Social Security number provided?

You should get your free score from each of the three bureaus once a year. Stagger them so you are getting a score about every four months as your score can and will change.

You can also get the Discover It card which gives your your FICO score from one of the bureaus every month. Since Discover started doing this last December at least one other major card issuer has begun the practice also.
--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson


MoebiusTrip

@74.89.65.x
reply to mocycler
said by mocycler:

They all ask for your SS#.

They all have it already anyway...

Ole Juul

join:2013-04-27
Coalmont, BC
I shudder at the thought of getting involved with these sharks. I don't care what my credit rating is. Actually, since I don't owe anybody anything it's probably really bad. lol

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:6
reply to SuperNet
Run like hell away from that site. It would not let me even LOOK AT THE INFORMATION ON THE SITE OWNERS without first enabling cookies. Right there you know this is a site up to no good. There is NO good reason why that site should not allow me to learn about its owners BEFORE I allow cookies there.
--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson


Gbcue
Premium
join:2001-09-30
Santa Rosa, CA
kudos:8
Reviews:
·AT&T U-Verse
reply to Mele20
said by Mele20:

You should get your free score from each of the three bureaus once a year. Stagger them so you are getting a score about every four months as your score can and will change.

That is false. None of the three bureaus gives a free credit score.

bbear2
Premium
join:2003-10-06
94045
kudos:5
Get a Discover card and you'll get your Credit Score every month with your bill for free. Other cards might be doing similar.

85281231

join:2014-02-01
reply to Mele20
said by Mele20:

Their TV ads explicitly state that you do NOT need to give them your Social Security number.

They say you don't have to give a CC# NOT your SS#, some of the others want your CC# so they can start charging you $50 a month when you forget about the "FREE" trial.

You can get a truly free report once a year from each agency, you will not get a free credit score.
Real hard for them to give you any information without your SS#.


hitachi369
Embrace Your Rights
Premium
join:2001-10-03
Grand Rapids, MI
kudos:4
reply to dcurrey
The CFPB is in the process of mandating for all credit cards, some are just getting ahead of the 8 ball.


TheTechGuru

join:2004-03-25
TEXAS
kudos:2
reply to SuperNet
CreditKarma is owned by TransUnion AFAIK.

I use it all the time but since it's only connected with TransUnion it's only 1/3 rd of my entire credit picture.


Selenia
Gentoo Convert
Premium
join:2006-09-22
Fort Smith, AR
kudos:2

1 recommendation

reply to SuperNet
As a rule I do not trust any website on TV advertised as free. Remember all those to speed up your PC free? Some were adware, some were outright viruses. Now there is all these "free" games that charge an arm and a leg for in-game items you'll need once you get into the game and collect and share tons of information about you. As to Credit Karma, anecdotally my grandmother tried them without me getting a chance to tell her no and nothing bad has happened since. Of course, her experience is anecdotal, so take it with a grain of salt. Besides, I remember reading the fine print on TV and believe they only give you the TransUnion score. You should go straight to the horse's mouth and get all 3 free once a year. they cost beyond that, but some credit cards offer them more often as a member benefit, but sometimes you have to ask. Review your card's terms on that.

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:6
reply to Gbcue
Yeah, you are right....not sure why I was confusing the free credit report with the FICO score.

Jeremy W

join:2010-01-21
reply to Mele20
said by Mele20:

Run like hell away from that site. It would not let me even LOOK AT THE INFORMATION ON THE SITE OWNERS without first enabling cookies. Right there you know this is a site up to no good. There is NO good reason why that site should not allow me to learn about its owners BEFORE I allow cookies there.

This is laughable paranoia.

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:6

1 edit
reply to bbear2
Yes, I've been getting my FICO score since December 2013 each month on my bill. Plus, the info at Discover's website tells you what has caused your score to drop, or if it has been steady every month but you want it higher what to do. Barclay cards have the score also but I don't know where you access it as it is not on the monthly statement.

Edit: Barclays says the FICO score is ONLY accessible online. That's stupid. I pay that card at my local issuing bank or I pay by phone. I get a paper statement so I have zero need of signing up at Barclay online site. After almost 15 years of banking online, I can stop that entirely since we can pay credit card bills by phone now with no charge so I am stopping almost all online banking. Much easier and faster over the phone or for local accounts going into the bank.

--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:6
reply to Jeremy W
Why is it "paranoia" to not want to invite UNNECESSARY TRACKING? Requiring cookies to learn about a site's ownership is a very bad thing. After I learn about a new site I decide if I wish to allow cookies there or not. That is how it should always be.
--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson


Selenia
Gentoo Convert
Premium
join:2006-09-22
Fort Smith, AR
kudos:2
reply to Mele20
I might have been doing that too, but hey the credit report is actually more informative because you can see what the black marks are and if any are false, obsolete, or unjustified. Keeping that clean almost guarantees a good score, so I still advise getting the free reports once a year. As to the cookies, I can guarantee you that you often worry about the wrong things with security and not enough about the right ones(source, me who has done security research and penetration testing since my preteen years). I do manage and block tracking cookies for optimal privacy though top level cookies are no worry, but they are not a security risk in themselves. Only a privacy risk in terms of third party cookies whose domains span the internet(like Google's and Facebook's) and even then, they can't contain much but visited sites without JavaScript, Flash, and the like, or, at very least, membership at their sites where you, yourself filled out info. So if you restrict JavaScript like a good girl, they are fairly innocuous, especially TLD cookies like some sites like CreditKarma force.

said by Mele20:

Yeah, you are right....not sure why I was confusing the free credit report with the FICO score.


Jeremy W

join:2010-01-21
reply to Mele20
said by Mele20:

Why is it "paranoia" to not want to invite UNNECESSARY TRACKING?

Blocking cookies outright is just not wise. If you're paranoid but sensible, set your browser to clear cookies when you close it. You're accomplishing your "goal" and you're not breaking anything. I put "goal" in quotation marks because you're not stopping anyone from tracking you by disabling or clearing cookies.

Also, I disabled cookies and had absolutely no trouble browsing the entire "About Us" section on creditkarma.com, so I'm guessing it's probably something else in your array of "security" systems that is messing with it.


Selenia
Gentoo Convert
Premium
join:2006-09-22
Fort Smith, AR
kudos:2
I just poked around too. Had no issues browsing freely. I don't block all cookies outright but I have an array of security around my browser and whole network against tracking, malware, and other bad things, but did not have to whitelist anything. I ran a bunch of links on the site but did not go for my credit score lol.

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:6
reply to Jeremy W
I don't close my browsers. I run 24/7 and only reboot (thus closing browsers) on Microsoft Tuesday after manually installing the security updates.

I don't block cookies outright. My browsers are set to block all third party cookies and to ask for each first party cookie not in my exceptions list and I had never visited this site before so my browser asked regarding cookies. Asking also allows me to force all cookies to be session only...Opera does that by default but that isn't particularly helpful to me because I don't close my browsers so session cookies become just the same as permanent.

It's "company information" that is non clickable. The other areas at the bottom are clickable. But company information is the one I wanted to read.
--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson


Selenia
Gentoo Convert
Premium
join:2006-09-22
Fort Smith, AR
kudos:2

1 edit
Best to set to ask on third party if you insist on pure whitelisting from the ground up as it seems you do. Example, say justin changed the login code here to have dslr.net set the cookie(some sites are set like that) and you allowed dslreports.com but blocked all third party, then the site would break for you. Ask is the best policy. You should get less prompts as you deny the trackers. I personally use community blacklists with strong script control and sandboxing in conjunction with a few other things.

Edit: Mele20, try logging into YouTube to prove my point. It logs in via a cookie set by google.com. Take out the whitelist for Google if you already whitelisted it by logging into Google or Gmail(don't block, just delete it from your whitelist and leave your settings the same). Then go to YouTube and login. It uses a Google cookie, which would be third party by perspective of your browser, as it is not from youtube.com.