having to wait a year for your credit report is insane. Again, you are forced to have credit so you should have free access to your report all the time. And a lot of those services that you pay don't give out accurate info. A lof of those Fico scores are "estimates". Them shyts are a scam.
you can signup for paid service...but it changed to one credit score request per 30 days...
as for "estimates"
I received a credit score from another service and it was different. Why is that?
There are many, different types of credit scores available from different lenders, credit bureaus, and credit score providers. The three major credit bureaus each offer their own brand of credit score, such as TransUnion's TransRisk score, based on their individual proprietary models for calculating a credit score. Each credit score model derives information from your credit report as provided by that particular bureau, and credit report data can also vary from bureau to bureau. Additionally, independent companies such as Fair, Issac and Company and its FICO score, distribute their own credit score based on their proprietary model that takes into consideration credit reports from all three major credit bureaus. Credit Karma provides the TransRisk New Account Score, VantageScore, and Auto Insurance Risk Score from TransUnion.
The common thread among all credit score models is that they are a measurement of your creditworthiness, each with their own scale, factors, and credit report data taken into consideration. It is hard to say which model is superior, but picking a single credit score model and tracking it over time will help you understand and manage your credit health. This is a significant reason why we encourage you to come back and check your score often at Credit Karma.
What is the difference between the credit scores offered on Credit Karma?
Credit Karma provides users with their TransRisk New Account Score, VantageScore, and Auto Insurance Score as supplied by TransUnion.
The TransRisk score is calculated by TransUnion using their proprietary scoring model and is the original credit score provided on Credit Karma.
The VantageScore is calculated by TransUnion using the VantageScore model, developed jointly by all three major credit bureaus. This model introduces the first, consistent scoring methodology shared by all three bureaus.
The Auto Insurance Score is a numerical measurement of the risk a consumer may pose to an insurance company. This score is calculated from data derived from a consumer's credit report.
Please see our News section to read more about the VantageScore and Auto Insurance Score.
