If you don’t already have an account at Credit Karma, I definitely recommend that you make one now.
Many of you know that Wednesday has become one of my favorite days of the week, because that’s when Credit Karma updates my free, weekly credit score. When I logged in yesterday, I was greeted with a big window telling me that I now had the option to get my FULL credit report with TransUnion data for free.
I clicked as ordered and sure enough, there it was.
Well done, Credit Karma!
Some neat things in the details
I’m still digging into it, but am really liking what I see so far — and that’s not just because Credit Karma’s interface presents the report in an easy-to-read format with the important stuff up front, which is a far cry from every one of my “real” credit reports I’ve seen.
For one, it looks like I can pull reports from as far back as February 2013, which matches up with when I joined Credit Karma, so that’s neat.
And just like my credit score, this free credit report will get updated every week.
What’s also cool is that if you head to the tab marked, “Inquiries,” it gives you a date when those should fall off your report, which is useful for knowing when your score will improve.
A couple notes
In case it’s not obvious, looking at this report is itself, not considered an inquiry meaning it won’t hurt your credit score.
Also, because Credit Karma only gets its data from TransUnion, you should still be taking advantage of your free yearly pulls from Experian and Equifax on annualcreditreport.com — a free site operated by the three credit reporting agencies as mandated by the government.
I don’t believe I’m missing anything, but let me know if there’s more information worth passing along. Enjoy your day!