After being member on the CreditScore now I am moving to the CreditKarma. Credit Karma gives you a better view of your score and also provides a detailed report for how you stand for in the each category of the credit traits. Some of like

• Credit Card Utilization
• Percent of On-Time Payments
• Average Age of Open Credit Lines
• Total Accounts
• Total Debts
• Hard Credit Inquiries
• Debt to Income Ratio

It tells you about your current debt status and how can you overcome to that. The best part I liked on the portal is the “Credit Simulator”. It helps you in determining which step (like adding up a new Credit Card or Loan) will effect your Credit Score and how.

But the whole caveat with the site is how much you are willing to risk your personal sensitive information to provide to a third-party provider. I took the risk and a member of Credit Karma now, lets see what happens next.