I love using Credit Karma to track my credit score. It's free, safe, and well...free!
When I first began using the site, my credit score was around 510-512 and that was in 2007. A few years later and now I am at 631 as you can see above.
What is even better that I know my official score is actually higher than this. When we were looking for a house, the lender reported that my score was in the 660 range. I'm hoping that once I am ready to trade in the truck, my credit score will be even higher and I will be able to get better financing.
Other things I like about Credit Karma is that they have a Credit Report Card that grades various categories such as credit utilization, total debt, debt to income ratio, and percent of on-time payments.
I am so happy to report that my percent of on-time payments is 99.19%. I'm guessing the 0.81% is from a while back because since the bankruptcy I've paid everything on time.
My credit utilization could be better...it is at 62% right now. Overall the scores could be a lot better and I'm going to keep working on them so I can reach my goals!
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