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TotallyMoney vs CreditKarma vs ClearScore
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info_maniac
Posts: 228 Forumite
I already use CreditKarma and ClearScore. Is there any benefit in signing up with TotallyMoney?
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does it cost anything? No then why not give it a try to see if it's different. Yes, there's a cost, then no don't bother.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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It uses Transunion, as does Credit Karma. Clearscore is equifax.
Experian does not now have a free service afaik but you can get free statutory reports0 -
Don't mean to hijack the thread at all but Clearscore have my credit rating at 666 and yet Totally Money and Credit Karma (and Tesco Creditview for that matter) have it at 540.0
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I think Experian will give you one free report and then you have to sign up (or you can always get your statutory otherwise for free)0
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Two different rating systems but either way the credit score is useless.jasonwatkins said:Don't mean to hijack the thread at all but Clearscore have my credit rating at 666 and yet Totally Money and Credit Karma (and Tesco Creditview for that matter) have it at 540.0 -
info_maniac said:I already use CreditKarma and ClearScore. Is there any benefit in signing up with TotallyMoney?
Yes, as it is the only provider I'm aware of to give you a free live report.0 -
Good job the score is junk thenjasonwatkins said:Don't mean to hijack the thread at all but Clearscore have my credit rating at 666 and yet Totally Money and Credit Karma (and Tesco Creditview for that matter) have it at 540.
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Nasqueron said:
Good job the score is junk thenjasonwatkins said:Don't mean to hijack the thread at all but Clearscore have my credit rating at 666 and yet Totally Money and Credit Karma (and Tesco Creditview for that matter) have it at 540.Well yes. My “affordability” score is generally below 2 across the board, most likely as I still have 2 defaults on my file so there’s little chance of me getting a “proper” credit card.
I’ve got a few high APR ones which I run pretty well so they’ll have to do until the defaults drop off (which might even be as soon as next year).0 -
Depending on age of defaults you might find they aren't as prohibitive as you think provided the rest of the credit file is well maintained - cards paid in full, on time etc. If you have any high APR ones that you are paying interest on, I'd absolutely do an application for say a BT card, worst case they say no and you can try again in a few months
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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