Why Can’t I Trust My CreditKarma Credit Scores With a Good Sam RV Loan?

Question: Dear Steve, A few years ago, I signed up with Credit Karma and have watched my credit reports ever since. I applied for an RV loan, thinking my scores were in the mid-700’s as is reflected in my Transunion and Equifax reports on Credit Karma. Was told that they only use Experian (which Credit … Read more

Shouldn’t I Be Able to Get All My Credit Scores? – Eugene

Question: Dear Steve, My situation, my credit scores are in the low 600’s and am trying to get all my credit cards under the 30% threshold and at the same time reduce my total debt. My problem though is with the credit scores. It seems now we have to be concerned with two sets of … Read more

The New Credit Score That Rewards You for Paying More Than the Minimum

TransUnion, one of the three major credit reporting agencies, has made several changes in the last few years to the credit reports it provides consumers, in addition to developing a new credit score to help lenders better evaluate potential borrowers. If you’ve requested your TransUnion credit report recently (you get free credit reports every year … Read more

VantageScore, FICO Score, Experian Plus Credit Score. Which Credit Score Really Matters?

Let’s start with the basics, what a credit score really is. A credit score is NOT a value that identifies who is a better personal finance manager. A credit score IS a number that is calculated to allow lenders to identify which people are the least risky to lend to and who are most likely … Read more