Originally Posted by 45th Birthday
You don't need creditkarma to view your credit reports. Just go to www.annualcreditreport.com
and you can get credit reports from the big three for free once a year. I view one of ours every four months on a rotating basis just to check.
I wanted to view our credit scores as well as the report. Funny, DW's score is 822 to my 810 (transunion and equifax)
I also view my credit reports every week, not once a year, to check for fraud. Anyone applies for a credit card or other credit, it will show up almost immediately. Creditkarma will send me an e-mail when there is a change to the credit report. A hard inquiry for example, which is a precursor to being issued credit like a car loan or large balance credit card.
creditkarma also has free tax filing for both fed and state including e-file.
There is a 'Credit Score Simulator'. See how a new car loan, for example, might affect your credit score. Or cancelling a credit card. Etc... I discovered that if I had a home loan (currently own my home free and clear), my credit score goes from 810 to 830! And if I add another $10,000 to my credit card limit it goes up 2 points. If I open a new credit card and transfer $10,000 balance, my score goes up 14 points.
creditkarma also, based on your credit score, finds the best credit card offers you are likely to qualify for. I suppose those companies are what funds the site.