Really basic and simple credit app helps to suggest ways to fix and improve your credit
Nice app but I don't know how the "vantage" score relates to a FICO score. FICO score is the only score that I know of that matters when applying for credit. I assume the Vantage score is some relative to the FICO in that if your Vantage goes up or down you can assume that FICO also goes up or down but by how much is still a mystery and how closely do they track is also not clear. For example, if Vantage score = 800, what would the corresponding FICO score? If the Vantage score goes down 20 points, how much does the FICO go down? I know the FICO score algorithms are proprietary to Fair-Issac but understanding the approximate relstionship would be a big help.
This app is amazing! I get a new score every day, along with a thorough breakdown of all my individual accounts, helpful suggestions and other features to help me maintain and boost my Credit. They monitor your credit too, so the moment an inquiry or new account is opened you'll know about it. That's important in this world of increasing cyber crime.
Truly a FREE credit app that monitors and updates you on your credit. Love it! Updated often so you can verify credit info, new debt, fraud, etc. The best part is it shows if your score has changed and what it is each week! Also has helpful tips and credit card options. Great app and highly recommended!
Great app so far, except for recent suggestions. It keeps recommending that I increase my credit score by 10 points, by transferring some of my current balances to a new, SECURED credit card. That is ridiculous advice! Before dropping a $1200 deposit on a new card, I would just pay off the balances!
It's just ok. The "updated daily" feature is basically just a gimmick. I've had this app several weeks now and haven't seen any changes besides instant hard inquiries (which credit karma also does) The app still relies on the info the credit reporting agencies submit, which is monthly. I didn't find the offers very good either. It recommends secured cards as "better" than my unsecured cards. (+1 star for an immediate response to my review!) PS. What I wish all these apps would do is allow you to filter out offers for cards you already have.
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