• Lower your monthly payments
  • Reduce stress and live your life
  • Avoid personal bankruptcy court

Check Your Credit Free With Credit Karma

For almost a year now I’ve been checking my Transunion credit score for free with Credit Karma. Don’t worry you don’t need a credit card. There is no trial offer to sign up for. It’s a totally free credit score without the catches.

Here’s a look at my credit score for the past few months:

Transunion credit score history

Transunion credit score history

And here is my current Transunion credit score:

Transunion credit score

Transunion credit score

Not only can you check your Transunion credit score for free but you can also get access to your Auto insurance score which lets you know how insurable you are and your VantageScore which is similar to the FICO credit score but a different formula. And speaking of the FICO scores, I did pay the fee to check my FICO score and it was almost the same as the Transunion score so this way you can get a good idea of how good your credit is when you want to buy a car, home, boat, or apply for a credit card.

And a new Credit Karma feature is their Credit Card Approval Odds. You can get a good idea of how likely you will get approved for a new credit card before you apply and put more hard inquires on your credit file than you need to.

I tried it out and it worked for me. I was able to get approved for a new Capital One Rewards Credit Card with a $1,000 credit limit. It pays me 2% cash back on gas and groceries and 1% cash back on everything else. The only downside is the $39 annual fee which I should more than makeup with the cash rewards.

So take a couple minutes and check out Credit Karma to get your absolutely free credit scores with no credit card needed. I like it and I am sure you will too.

Here’s a video with some more details:

Help! Debt Settlement Gave Me A Low Credit Score!


In the past I have talked about Debt Settlement as a “Debt Cure” for your credit card debt problems. And for some people it is. But before you decide on this course of action, be aware that using debt negotiation with your creditors to get a good settlement offer can result in your FICO credit score dropping a few hundred points.

If you are scared of ruining your credit to get out of debt, then maybe debt consolidation is better for you.

Take a look at what has happened to my credit score over the past 6-8 months since I started a do it yourself debt settlement program:

Good FICO Credit Score Before Debt Settlement

Above is my FICO credit score before I missed payments on my credit cards due to a severe financial hardship. And below is what my credit score looks like now after I have settled with 3 out of 4 creditors.

Bad FICO Credit Score After Debt Settlement

Debt settlement has ruined my credit score!

Are you worried about keeping your credit score high? Have you seen all the commercials about how you need to maintain a high credit score to keep your insurance rates low, your credit card rates low, and your chances of getting a job?

I’ve even posted some of those on this blog. And if you are not going through a sudden job loss or unexpected medical bill then you may not need a drastic debt solution as debt settlement. And debt consolidation may be all you need.

Now here’s something else I want to show you:

My credit card debt before debt settlement: $61,713.xx

And here is how much credit card debt I have now after settling with 3 creditors and getting a balance reduction with a 4th:


I settled $43,250 settled for $13,054 and reduced a 4th balance from $10,160 to $7778.

I kept one card out of the program which I needed to pay for living expenses and business expenses and this has a balance of around $8300.

I am still not out of my severe financial hardship but eliminating over $43,000 in credit card debt in 6 months will go a long way towards helping me recover.

That cuts my monthly expenses by over $860 a month based on the 2% balance monthly minimum payment.

Would an extra $860 a month help improve your financial situation?

And now that I have $43,000 less in credit card debt, I am able to work faster on rebuilding my credit score. I can start making my payments on time again.

My debt to income ratio is a lot lower now.

In a couple short years I will have a healthy credit score again and will qualify for a low rate mortgage loan or car loan or even a credit card.

Debt settlement is not for everyone. If you have a small amount of credit card debt then it is not worth ruining your credit score over.

Get help from friends and family, consolidate your debts, stop charging, read the Total Money Makeover, heck, read Debt Cures I and II, and get out of debt.

I am just sharing with you my experiences and hope this can help you decide on if do it yourself debt settlement is the choice for you.

Talk to you again soon.

If you have any feedback, comments, or experiences let me know in the comments box below.

Thank you,


Debt Cures Reviews