And what is the most reliable app to check your score?
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- Below 400. No more cards and loans anymore. No more options for people who are incumbered with bad luck like me.
- You have 3 credit scores.
Typically you pay for access to these.
Credit Karma give you the best approximation of your score. Typically within 3% of the number.
Which is good enough for free.
- Financial Engines / DatafrugalguyCredit karma uses it's own algorithm to guestimate credit scores. my experience is that they are 25-50 points more than what real score it (from.experian, TransUnion etc. ). Overall it's a great to track the trend but I will not take the credit score they give in stone.