- Report: #1330337
Complaint Review: credit karma - Nationwide
Reported By:
BRUCE -
Banner Elk, North Carolina, United States
Submitted:
Updated:
-
Author Confirmed
Why?
credit karma
Nationwide, USA
Web:
N/A
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credit karma appearance of being an online consumer SCAM operation Nationwide
Its not as if I like wasting my time on this insideous credit score for "free" scam operation. I am 7, disabled vet living on low income ssa. But here I go for what ever its worth because I doubt my complaint will change anything that is if the enormous # of other complaints on file with Rip Off.
I have paid sme $100 per month for credit repair with Lexingto Law (this is not a complaint on them), and eventually my score rose to 644. That was well over a month ago. Now on 9?26 I have tried every resorce that offers "free credit scores to poor slobs like me. Every one of those offers requires I provide a valid bank card data which I refuse to do. Point being WHY do they need me to open my finances just to obtain a "free score?" Of all of them I have treid, unsuccessfully to obtain "free scores" many times from karma. Not once hhave they accepted my "ID" for password reset . EVERY TIME they claim "SORRY WE CAN NOT CONNNECT YOU WITH INFO PROVIDED' Thern they switch you to " a way to get your scores' which KARMA requires my life history. Like I am going to write answers to every question they demand answers to just so they they determine if I desrve Credit Karma "free scores". Right, like I have not bveen ripped off by similar scam ops, give them my vitals which the DO NOT NEED TO FULLFILL THEIR ADVRTISED PROMISE TO CONSUMERS> Well my being a successful AX MURDERER all my life I have no problem giving this s**t outfit all my data send it to them so they can peddle my data to whomever is their hghest bidder!!!!
So here I sit, near one hundred percent UNABLT to receive anf "free scores" without having to join their $ 1.00 down, then 7 days later club they start snatching your (my) money from my acct, probably related to me being a sucker and requesting my "fgree scores" from Credit Karma...U know what "they" say about "KARMA" right, what goes around comes around. I have reported this to CFPB and I would BEG all who have issues to got the the net, type in Consumer Finance Protection Bureau, attn Richard Cordrey, Director. You'd be surprise what they can do to criminal scammers like I allege Credit Karma really is AND tyhe 3 Credit Score Bureaus who whose main interest is NOT to give you your scores but in fact intnds to HUSTLE you into buying their $49 per month we are gonna save your a*s serice.
THANK YOU for tolerating my venting and rant, the problem id I have little $$ enough to survive. I do not need to be scammed so I can't buy grocerys. I am not without my own blame for my situation but I don't need help to get worse off by scammers. I know. I lost over $600 of survival money to scammers. Now all of them are like ingrown toenails in my life
May God bless You and America
Bruce R N
Banner Elk, NC
1 Updates & Rebuttals
FloridaNative
Palm Beach Gardens,Florida,
USA
Some information for the poster
#2Consumer Comment
Tue, September 27, 2016
I am just a consumer, but I have been researching the various "free scores" and have found out that the Credit Karma scores are NOT the scores that any lender uses. The scoring model that Credit Karma uses is called the Vantage 3.0 score and lenders do not use Vantage scores to grant credit (at the time of this post). Most of the lenders across the US use a version of FICO scores - and there are many FICO score versions: for mortgages, credit cards, auto loans etc. You can tell which scores are FICO scores because they will have the FICO version name next to the score. If they don't mention FICO, it's a different score that is not FICO.
So be aware that even those other free scores are usually, but not always, a formula lenders don't use. Those other free scores are referred to as 'educational scores'. I think it is disingenuous for the CRA's to publish scores that aren't used by lenders and to call them 'educational scores' - and to top it off, some of those same CRA's charge for those scores!
It is very frustrating to not be able to see your scores. Look up a legitimate website that has your FICO scores available to you so you can see where you are on your journey to good credit. There is also a fee community forum section so you can ask questions and receive accurate answers at no charge to you. Good luck in your future endeavors.
