1. Os
    February 7, 2017 @ 6:57 pm

    Do anyone find these recommendations on point?

  2. Anonymous
    March 27, 2017 @ 9:26 pm

    Thanks Os for sharing your knowledge and helping others.

    My credit score is different in different portals.

    Eg: My citi account shows credit score of 720 where as credit karma shows 747. There is always a 20 point difference. Though both are being reported by TransUnion and Equifax Credit Bureau. Do you trust Credit Karma. Have you faced this issue?

  3. Os
    March 28, 2017 @ 12:43 am

    Hi Anonymous, yes that is sometimes the case and your credit score may be slightly different by bureau as they have slightly more or less information. Take for example when applying for credit card, Chase uses Equifax as opposed to TransUnion; thus, my score is a little lower on Equifax because hard inquiries ding your score a bit. Also, one other thing to note is though banks, credit karma service offer glimpse of score sometimes they are not current, so it may be you are seeing slightly outdated score. Credit Karma is usually pretty timely compared to banks I have noticed. I personal use several service to gauge as closely as possible my score and are they accurate. Try using Credit Sesame as well by link above my blog as they report from TransUnion and may be more up to date.

    March 28, 2017 @ 3:44 pm

    That's Owanzer, I will refer to the websites you have referred to. The websites in your blogs are helpful.

    – Anonymous (Raveendhar :))

  5. Os
    March 31, 2017 @ 5:20 am

    Great Raveendhar, I'm glad that they are of help.