7 Takeaways: How Accurate is 信用业力?

Posted by 瑞安·菲茨杰拉德(Ryan Fitzgerald) 2020年8月8日(星期六)下午4:45。

How Accurate is 信用业力?

How Accurate is 信用业力?

Many people looking to buy a home 将 need to know their credit score and “how accurate is 信用业力?”是我们收到的最常见的问题之一。

Below we 将 give you an in-depth overview of what 信用业力 is, how accurate 信用业力 is and how often 信用业力 updates.

让’潜入,以便我们了解 how accurate 信用业力 is:

What is 信用业力?

信用业力 is a free credit monitoring service. 信用业力 allows consumers to track their credit scores, learn about credit, and sign up for credit alerts.

信用业力通过销售广告并允许消费者来赚钱 使用其免费服务。 信用业力在帮助消费者了解影响其信用评分的方面也做得很好。可以让Credit Karma享受免费服务的是无数的广告,消费者可以订阅。那么像Credit Karma这样的免费信用监控服务到底有多准确?让我们来看看幕后花絮。

How Accurate is 信用业力?

信用业力 分数由三个信用机构中的两个直接报告,其准确性与某人从免费信用监控服务中所期望的一样准确。 More often than not, the accuracy of credit karma scores is in the right wheelhouse. The scores are not perfect and sometimes they can truly be way off so don't rely on 信用业力. Instead, if you're 买房 or vehicle allow your credit report to be run 通过 your financier and see for yourself where you stand. Some of the credit agencies 将 give you a free report as well.

While 信用业力s scores may not be totally accurate they do allow one to track their progress and any changes to one's credit. This is the best use case for 信用业力, to track which way your scores are moving and to get alerts on things that may be happening with your credit score. 信用业力 has saved a number of people from identity theft.

信用业力 is accurate enough that they can keep consumers coming back. As the company has continued to grow the scores have become more and more trustworthy.

So is 信用业力 going to 给你一个准确的信用评分?他们应该很接近。这里’s the reason:

“Credit Karma的分数和信用报告信息来自三个主要征信机构中的两个TransUnion和Equifax。我们提供独立于两个信用局的VantageScore信用评分。 信用业力选择VantageScore是因为’是三个主要信用机构之间的合作,是一个透明的评分模型,可以帮助消费者更好地了解其信用评分的变化”Credit Karma的Bethy Hardeman报告。

When you apply for a loan you may find the credit numbers are different from what 信用业力 reports -分数应该有点接近!

信用业力 Vs. Actual Score

问了“信用业障有多准确?”之后下一个问题总是,如何 信用arma比较我的实际分数 FICO Score? 其中一个 best things about the 信用业力 service is that it generates the credit report straight from two of the top credit reporting agencies 创联 and Equifax. 信用业力 and your 实际分数 reported from 创联 and Equifax 将 be very close, the number of points off won't be much. Experian 是一个不向Credit Karma汇报的信用机构,这是您的分数最大的错误来源,因为它与您的实际分数或 FICO score.

How many Points is 信用业力 Off?

许多人问:“信用因果报酬可以扣多少分?”每种情况的答案也各不相同。 信用业力从前三大信用报告机构中的两个接收信息。这表明 Credit Karma的得分可能很低,因为他们没有从Experian获得信息,Experian是第三家不向Credit Karma进行报告的提供商。如果您能算出您的Experian信用评分,您将能够准确地得出Credit Karma与您相关的得分降低了多少分 实际分数.

Should I use 信用业力?

许多人都害怕使用Credit Karma,因为它需要诸如社会安全号码之类的东西才能注册。如果某人愿意提供个人信息以换取方便的方式来跟踪他们的信用评分,那么这完全是个人喜好。没有社会安全号码,任何人都不可能知道您的信用记录。

许多正在考虑购房的人将把他们的社会安全号码提供给抵押贷款放款人,以进行信用评分。当抵押贷款人运行信用评分时,它将被视为对您的信用报告的艰苦询问。当你给 Credit Karma您的社会保障将不算是一项艰苦的查询,因为您仅使用Credit Karma服务来收集信息。

对于 所有监视您信用的购房者对于您购买房屋的能力至关重要。 首次购房者 尤其是因为他们很可能没有机会像年龄较大的人那样积累大量的信用记录。 

At the end of the day, if you're looking to monitor your credit score you should sign up for 信用业力.

其中一个 使用像Credit Karma这样的服务的主要缺点是,您会遇到很多关于信用卡和其他物品的精美广告。这对于Credit Karma赚钱并提供免费服务是必不可少的。使用Credit Karma监视您的信用评分并了解更多有关影响信用评分的信息,这不仅仅是权衡取舍。  其中一个 things I love most about 信用业力 is that although it's not the most accurate way to determine your credit score it gives you so many great tips on how to improve your credit score. The information they offer really gives great insight into how credit scores are affected and how credit scores are impacted is something many folks are unaware of.

How Often Does 信用业力 Update?

更新来自 创联 are available through 信用业力 every 7 days. Simply log in to your 信用业力 account once a week to understand where your credit score is at. You 将 see your current score and the update from past weeks, months, and more. With the weekly updates that 信用业力 offers you have a great opportunity to spot any potential problems before they arise.

In your account, your score 将 be updated and you 将 likely see the reasons as to why as well. 

其中一个 best features of the 信用业力 app is that it 将 alert you to any potential problems with your credit or credit score. Every time something happens or is reported to one of the credit bureaus 信用业力 is able to send out an alert to the user to alert them and ensure it is a recognized activity. 

Is 信用业力 Worth it?

信用业力 is worth it. The simple tradeoff of giving information and encountering ads for the ability to monitor your credit score and to learn how credit scores work is more than fair.

信用业力 not only gives you an accurate score it gives you the information in the event your social security numbers or information has been breached. It's a bit ironic since 信用业力 themselves were under a bit of heat as they were hacked as well.

How Does 信用业力 work with Real Estate?

购房能力和信用评分是两件齐头并进的事情,尤其是涉及到您将获得的抵押贷款利率时。如果您的信用评分更高,从理论上讲应该可以提高您的购房能力。 信用业力服务的最好之处在于,它可以通过简单的技巧和窍门教您如何随着时间的推移提高信用评分,这些技巧可以使您随着时间的推移增加购房能力。当需要购买房屋时,得益于Credit Karma服务,您将做好充分的准备。

信用业力 is one of the most underrated services when it comes to buying real estate and here's why it gives you crucial information. The information 信用业力 provides to consumers goes a long way in helping them understand their credit score, monitor their score and this information ultimately will 影响买房能力。

When searching for great applications to use to monitor your credit score look no further than 信用业力!

信用 Karma vs. 信用 Sesame

信用业力与Credit Sesame有什么区别? 信用业力使用排名前三的信用报告机构中的两家,而Credit Sesame仅使用排名前三的信用报告机构之一。通常,您会从Credit Karma获得比Credit Sesame更准确的分数,这使其成为首选的信用监控服务。

除了Credit Karma的分数会比Credit Sesame更准确的事实外,还需要注意的是,Credit Karma也远远超出了Credit Sesame提供的功能。 身份监控警报是Credit Karma提供给我们的更大产品之一,可确保您的身份安全并保护您的信息。他们还通过合作伙伴提供计划,这些计划提供额外的好处,例如免费的税收准备,汽车价值以及任何DMV信息或召回信息。


瑞安·菲茨杰拉德·罗利房地产嗨,您好!我是Ryan Fitzgerald,是北卡罗来纳州罗利-达勒姆(Raleigh-Durham)的房地产经纪人,也是罗利房地产(Raleigh Realty)的所有者。您和我有同样的热情,房地产!我也对技术,体育和人充满热情。希望收到您的来信。在下面的评论部分给我留言,并随时在社交上分享此文章!

2 Responses to "7 Takeaways: How Accurate is 信用业力? "

杰弗里·约翰逊(Jeffrey Johnson)写道: 信贷因果报酬让我有712739,但是当我申请抵押时,被告知这是693683,这给了我什么?

张贴于2020年8月24日,星期一,下午4:54。

玛丽昂·卡西尔写道: 我的FICO得分比我的信用业力和钱包中心得分高53分

发表于2020年9月17日星期四下午2:53。

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