Sidenote, Credit Karma only pulls your Transunion credit file, and the number they present can and will be VERY different than what your true FICO is. For example, my creditkarma score is 813 but my actual transunion FICO is only 702.
My score was provided by transunion.
708 “Plus Score” from transunion…
667 FICO score From transunion…
whats the difference, the FICO is an older score though…
In any event my score went from 694 in October to 640 in November. All I did was transfer a balance, yikes.
I have a WAMU card that lets me track FICO Transunion Score online and American Express has a trial to get all three “Plus scores” that I’m currently using. If a plus score is useless I know how I’ll respond to the trial.
http://fico.lithium.com/fico/
BUMP. Anyone who missed the first round and wants theirs.
See the announcements in the top right, you have to register a forum account and then you get your score for free.
I’m on it.
I ran mine before I got my car loan. I am 778 for a 23 year old 
757 this time. :evolve:
equifax, 744, not bad considering the small amount of credit I have
Is that a real site?
It’s owned by Fair Isaac. They created the credit score. I’d say its legit.
717 
This is why i don’t believe the FICO score i get every month from providian.
Providian/TransUnion- 816
Equifax - 765
I guarantee at least a dozen or so people who posted are inflating their scores for bragging rights. If not, this is the most amount of people to consecutively have 700+ scores I have ever witnessed.
Mr. Smith is right though, even though you have a 750…it doesn’t mean you won’t need a co-signer on a loan. Your history is probably thin and very limited.
Not to shit on anyone, but out of 112 posts (75 of which are people who posted scores) to have only 2 or 3 in the 600’s and one in the 500’s is bullshit.
<3
PS - Mid 7’s here 
(automatic withdrawls, bi-weekly payments and direct deposit FTW)
PS - The general rule of thumb is to use Experian. Some lenders use Equifax, and generally nobody uses Transunion (which always tends to be a little high). However, if your report looks like this:
Experian - 727
Equifax - 749
Transunion - 759
and the specific bank or lender looks at Experian for scores (727) and you need a 740+ for the top tier of interest rates, you can request a “MCBO” (Multiple Credit Bureau Option) which some lenders will then look at all three and take your highest into account when placing you into a tier.
Didnt run this report, but was told by the credit union I had a 723 (I am 20), but still got denied a car loan without a cosigner because my history was limited. So it means nothing to me right now.
707
Bump
They’re doing it again. Get your free score here:
http://www.freeficoscore.com/MemberScoreNow/
First 10000 again.
Pretty cool. I did this on 10/2 and had a 777. 3.5 months into my 1 year plan and I’m at 794. Debt elimination FTW!
Thanks and fuuuuuuuuck.
No more free scores.
damnit.
i did just check my transunion and it was at 776.