i****4
发帖数: 1906 | 1 https://www.creditkarma.com
不是打广告的啊，刚看到这，去查询了一下对比Citi那个收费的，也差不多，信息也差
不多，界面看上去更赏心悦目一些。。。。。
注册时候需要后4位SSN就可以 没有广告邮件之类 虽然网站上植入了很多 推销信用卡
的信息但看起来还算友好
不知道有没有别的讨论？ |
g*****g
发帖数: 5636 | 2 http://www.creditkarma.com/
查的不准，我用citi查的，比creditkarma低20分，citi比较接近3大信用局 |
s**********g
发帖数: 14942 | 3 分数不准
不时虚高
不是很清楚到底是基于什么模型
因为宣传是说TransUnion的分数的 |
T*********0
发帖数: 1372 | 4 的确是Pull TransUnion的，上次问TU拿记录的时候就看到里面有Credit Karma的记录.
..
不过是Soft...
【在 s**********g 的大作中提到】
: 分数不准
: 不时虚高
: 不是很清楚到底是基于什么模型
: 因为宣传是说TransUnion的分数的
|
s**********g
发帖数: 14942 | 5 有些怀疑是不是credit karma 去pull TransUnion的报告 而不是分数
然后基于报告生成分数
所以是TransUnion-based score
录.
【在 T*********0 的大作中提到】
: 的确是Pull TransUnion的，上次问TU拿记录的时候就看到里面有Credit Karma的记录.
: ..
: 不过是Soft...
|
i****4
发帖数: 1906 | 6 是啊 他说了 是simulated
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.
Back to top
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. |
i****4
发帖数: 1906 | 7 但是 对于检测有没有hard pull啊 有没有报告错误的pastdue之类 还算可以吧 而且免
费。。。。连什么试用期都不需要。
Citi那个注册了我就没发现在哪里取消。。。 |
f****y
发帖数: 2196 | 8 上次我的credit karma出了问题, 说是transunion那边出了问题, 叫我联系他们, 结果
两边在推皮球, 弄了好久... |
i****4
发帖数: 1906 | 9 但是 对于检测有没有hard pull啊 有没有报告错误的pastdue之类 还算可以吧 而且免
费。。。。连什么试用期都不需要。
Citi那个注册了我就没发现在哪里取消。。。 |
s**********g
发帖数: 14942 | 10 en
我用creditkarma就是监控activity用的
不用来看score |
|
|
w*****1
发帖数: 6807 | |
g*****y
发帖数: 2491 | |
f********i
发帖数: 8412 | |
l******t
发帖数: 2113 | 14 拜托你们可以仔细读读楼上某位copy来的credit karma的说明好不好，citi的score才
是他们根据你的credit report然后用自己的算法算出来的score，credit karma是直接
从TransUnion拿的score
"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." |
s**********g
发帖数: 14942 | 15 是啊
一直说creditkarma说是用的transunion的score
但只是以前经常不准 才怀疑是simulated
当然也许最近变了 没查证过
【在 l******t 的大作中提到】
: 拜托你们可以仔细读读楼上某位copy来的credit karma的说明好不好，citi的score才
: 是他们根据你的credit report然后用自己的算法算出来的score，credit karma是直接
: 从TransUnion拿的score
: "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."
|
z***l
发帖数: 85 | 16 这个是完全free的吗？会不会30天后收费？
【在 i****4 的大作中提到】
: https://www.creditkarma.com
: 不是打广告的啊，刚看到这，去查询了一下对比Citi那个收费的，也差不多，信息也差
: 不多，界面看上去更赏心悦目一些。。。。。
: 注册时候需要后4位SSN就可以 没有广告邮件之类 虽然网站上植入了很多 推销信用卡
: 的信息但看起来还算友好
: 不知道有没有别的讨论？
|
l******t
发帖数: 2113 | 17
怎么发现不准的？跟citi对比出来的结果？citi本来就是自己算的，当然分数跟
transunion的不一样
【在 s**********g 的大作中提到】
: 是啊
: 一直说creditkarma说是用的transunion的score
: 但只是以前经常不准 才怀疑是simulated
: 当然也许最近变了 没查证过
|
s**********g
发帖数: 14942 | 18 citi那个出来以前有过比较的 和真实信用局分数
后来我就没看到比较的了 因为满地都是citi和别家的分数
乱了
而且creditkarma也改版了
【在 l******t 的大作中提到】
:
: 怎么发现不准的？跟citi对比出来的结果？citi本来就是自己算的，当然分数跟
: transunion的不一样
|
e*****i
发帖数: 162 | 19 更新分数不是登陆进去以后自动的，需要点一个按钮。
【在 w*****1 的大作中提到】
: 分数4个月都没变了，真扯淡
|
z********r
发帖数: 205 | 20 citi老不更新比karma慢了2月，何解？。。。
【在 g*****g 的大作中提到】
: http://www.creditkarma.com/
: 查的不准，我用citi查的，比creditkarma低20分，citi比较接近3大信用局
|
w*****1
发帖数: 6807 | 21 点了update
【在 e*****i 的大作中提到】
: 更新分数不是登陆进去以后自动的，需要点一个按钮。
|
i****4
发帖数: 1906 | 22
没有 他不靠收费挣钱靠广告
【在 z***l 的大作中提到】
: 这个是完全free的吗？会不会30天后收费？
|
