I just opened an account with
www.creditkarma.com. I am very happy with what I've seen. They offer a free credit score and they tell you a lot about your credit. I was wondering why I had recently gotten turned down for a small credit line increase request. I got a letter saying something about too much debt to credit and I was wondering why that would be the case. I thought my debt to credit ratio was under 20%, but when creditkarma.com showed me it was 300% I almost jumped out of my chair. It turns out I was an authorized user on an account with "no pre-set spending" and they were reporting to the credit bureau a credit limit of $0. I quickly called the credit card company and removed myself as an authorized user. Hopefully now that will clear things up.
The bottome line is that creditkarma.com saved the day, and is the only place I know of that will show you your credit score without charging you or making you sign up for free trials of credit monitoring. Their trick is they show you ads and make money off of that.
As always, everyone who has a social security number is entitled to a free credit report every 12 months from the BIG 3 credit agencies. You can get that easily by going to
www.annualcreditreport.com.
P.S. My credit score is 766. Pretty good...I think.
