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They do, in fact, falsely advertise. I had been using it several months ago to begin monitoring my score (very poor) as I paid off the few bad debts I had. Credit Karma reported a TransUnion score that I thought was about right. Well, come to find out, my true TransUnion score was actually about 40 points LOWER.
Credit bureaus use a proprietary formula to calculate the score. Credit Karma simply "guesses" the formula, so you never see your true score. It can be higher or lower, and by A LOT -- not just a little.
I found out when a financial adviser pulled all three of my major bureau reports (the paid kind) from the bureaus themselves. When I saw the difference in scores, I asked him, and he told me about the "guessing" formula.
What a shame that people actually believe Credit Karma is a good tool. Haha.
djj55: Nice but may have a permission problem
Pete O'Hanlon: He has my permission to run it.
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Not very sure, if it would be scam under Google's ownership. But yes agree most of the credit score websites are into scam.
Change is a pattern of life.
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Can't tell if spam or not, I honestly can't tell!
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But they don't give you your "score" for free. Not anymore, anyway.
You just get a zillion pages of credit history, which is nice for checking to be sure no one is screwing you over.
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I was talking to the husband of a friend at the weekend. We were in the grounds of his (and his father's) old school, at a boozy picnic. He was well oiled and started telling me about his dad - I took it with a pinch of salt at the time, but decided to look him up and this is what I found[^]. Forget most of his life, just look what he did between the ages of 16 and 20.
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What a guy. I love reading about people like this.
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It makes you think what the Obituaries of todays kids will look like in 80 years time.
"Jaayson managed to get to level 224 of Angry Birds"
or
"Deztiny was able to claim job-seekers allowance for a full 8 years before it was discovered that she had been working"
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So true! Nailed it!! Fantastic! It's funny like all tragedy is.
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Reads to me like everything he tried to do failed, but he always managed to survive.
Some people just seem to be difficult to kill.
Some men are born mediocre, some men achieve mediocrity, and some men have mediocrity thrust upon them.
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Where are you reading anything? All I see is a blurb about a book.
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Very funny video, hope Leslie hasn't seen or posted it! 
USS Montana vs Lighthouse[^]
Have you ever just looked at someone and knew the wheel was turning but the hamster was dead?
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Oldie but goodie; but never saw the video before.
I'd rather be phishing!
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How desperate for material would you have to be, before spending all that time, effort, and money doing a joke that everyone has known since they were five?
I'll bet they all think they're terribly creative.
I wanna be a eunuchs developer! Pass me a bread knife!
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What a thoroughly good man and an outstanding Actor.
What with the current crisis's in Israel, Ukraine, Syria, Iraq etc this one man has stood up and shown that he is a great credit to mankind.
Shake that man by the hand.[^]
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Well, that's a high score in the Man Points stakes.
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not really, he missed
a golden opportunity gone to waste
You cant outrun the world, but there is no harm in getting a head start
Real stupidity beats artificial intelligence every time.
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Bergholt Stuttley Johnson wrote: a golden opportunity gone to waste
 
Jeremy Falcon
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Sadly, I lost some respect for him in Troy.
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For which side did you fight? Greeks or Trojans?
The language is JavaScript. that of Mordor, which I will not utter here
I hold an A-7 computer expert classification, Commodore. I'm well acquainted with Dr. Daystrom's theories and discoveries. The basic design of all our ship's computers are JavaScript.
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Given the nature of the CP, shouldn't that be Geeks or Trojans? 
Anything that is unrelated to elephants is irrelephant
Anonymous
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The problem with quotes on the internet is that you can never tell if they're genuine
Winston Churchill, 1944
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I'd just like a chance to prove that money can't make me happy.
Me, all the time
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LOL! It's a struggle with Trojans. 
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