If you pay your credit card bills in full and on time every month, don't open and close accounts frequently, stay current with loan payments, and avoid negative events like bankruptcies and tax liens, you'll be rewarded with an enviable credit score.Since most of us don't have perfect credit habits, we need to know where we stand—and how to improve that critical number. Credit Karma keeps you up to date on that all-important credit score, but it also informs you of potential credit breaches and provides tools that help you find and secure the best credit, loan, and auto insurance deals.A simple site demands a simple user experience, and Credit Karma supplies it.At top center of the Dashboard (home page) is your credit score, as reported by two of the three bureaus.As you'll quickly learn, the site logs you out if you're idle for several minutes.This is a smart practice for individuals who live and work around other people, but it would be nice to be able to change this setting if no one else is nearby.Credit Karma displays scores from two of the three credit-reporting agencies: Trans Union and Equifax (Experian is the third).This three-digit number between 300 and 850 basically tells potential lenders how likely you are to repay debt.
It's not uncommon for the two scores to be different There are many reasons for this, and a lot depends on your lenders.
A semicircular graphic pinpoints where you fall on the scale of possible numbers, and arrows illustrate whether your current score has gone up or down since the last report.
Below that is a three-month line graph that shows your ups and downs, followed by links to your actual credit reports, accounts, and any existing loans.
So I always make a point of thanking my dates, especially if he bought coffee, lunch or dinner. A guy I’d dated for 6 weeks recounted all my flaws during an email telling me why he was breaking up with me. Apparently, there was another argument about the daughter. The only thing that I am surprised about is that he stayed with her this long.
Of course, there are always exceptions — you were cranky with someone and she went out of her way to be nice. But generally, I believe if you are polite, thoughtful, and classy, that is what you will attract to you. I think the most important time to keep focused on dating karma is during a break up. When someone is mean to me I ask who do I want to be in response? Last night I get a call from her telling me that “Mark” and Tammy are again split up.
They may not report to all three credit unions—some don't report at all—or their updates may come in at different times.