FlyerTalk Forums - View Single Post - question about churning

Dec 26, 2012 | 1:36 am

#25

AscorbylPalmitate

Join Date: Nov 2012

Location: NYC

Posts: 398

Quote:

Originally Posted by mnscout

Good and timely question. Before you even consider a paid service, the first 2 you need to sign up for are Credit Karma and Credit Sesame. Credit Sesame just announced their free monitoring service last week, I believe, while Credit Karma has been doing it for a while. So, you could start with these two.

Another thing to consider is applying for Discover Walmart card. No bonuses to speak of but they give you your true TU FICO score once a month for free.

thanks. just signed up for creditkarma. looks too flashy with all the bright graphics. i'm still finding some quirks in the amounts and don't know how reliable it is.

i had pulled all my free credit reports via annualcreditreport.com and also all 3 FICO scores via ScoreWatch's free trial. thus, i have a very exact and reliable picture of my credit history when comparing against creditKarma.

also had signed up for a 20k limit card which is not reflected in CreditKarma's balances (not sure why).

EDIT

Quote:

"Recent changes to your credit have not yet been transmitted to the credit bureau by your creditors. Lenders only report information every 30 days."

Last edited by AscorbylPalmitate; Dec 26, 2012 at 4:13 am

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