Credit Karma Now Showing Full Credit Report

I use Credit Karma, a free service, to look up one of my credit scores, Transunion. You can update your score weekly and it keeps track of your score over time. When you are applying for credit cards, it is good to know what your scores are.

Credit Karma score

Credit Karma also shows what affects your scores by giving you a “Report Card”. The tabs below are what affects your score and the ratings can show you what you need to improve on to increase your score.

Credit Karma Report Card

So far this has been a good service to use but it has now gotten even better. Previously you did not know exactly what accounts were open, closed, or in good standing. I had used annualcreditreport.com to get my free report with all 3 agencies. Now the site offers a full credit report for the Transunion agency. To see the report, click on the Full Credit Report Tab on the left hand side of the page.

credit karma Tabs on left

When you click on the tab, you will see your full credit report with all your accounts, your credit inquiries, any accounts in collections, and recently open & closed accounts. Its a good idea to periodically look at your report to see if there are any discrepancies or negative items that need to be addressed.

Credit Karma Full Credit Report

I highly recommend using this free service to help monitor your credit report & score. Remember there are 3 credit agencies and this only monitors one.

5 Comments on "Credit Karma Now Showing Full Credit Report"

  1. In my experience when applying for major credit (mortgages etc) , the Transunion result was the least hard-pulled for review/ approval purposes as the banks etc always seemed to put more stock into Equifax’s report, followed by Experian… and then TU. For me TU was almost always the highest score of the 3, but I must say always in within 10% of the others. That said it is useful when the banks typically take the middle score of all 3 for qualification purposes!

    • Giddy for Points | August 5, 2014 at 7:09 am | Reply

      Yes Transunion isn’t the most pulled credit report and thus the scores tend to be a little higher but I say they are around the same score. That being said, it is best if you check all 3 credit scores using a different service periodically as well just in case.

  2. Thanks for this info, Elena.

    Just FYI, we did a refi recently and both the broker and the credit union where we investigated rates pulled reports that combined all three bureaus. They are not supposed to give them to you, but I asked and in both cases was handed copies of the full reports.

  3. I’m new to this points game and my credit score was 776. However, I recently applied for the CitiBank AA 100,000 points card (approved), the US Airways 40,000 points card (approved) and the Chase Marriott Preferred 70,000 points card (pending). I just checked my score and it’s droped to 739!!!! That’s a 37 point drop and now I’m nervous. I’ve never been rated below excellent and now I’m in the “good” category. Is this normal??

    • Giddy for Points | August 5, 2014 at 12:13 pm | Reply

      Yes a drop in credit score is normal when applying for cards because each credit pull will bring down your score a couple of points and all these new cards will bring the average age of your credit cards down. You score will come back up. In the post that is my actual credit score and I’ve applied for approx 38 cards over the past 4 yrs. I think 3 cards is good to start out with. Just remember, you don’t have to apply for ever “amazing” offer right when it comes out, these bonus offers often come back around. Hope this explanation helps!

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