Their Credit Alerts feature did alert my to fraudulent activity almost immediately At this point if CK had offered a subscription side, I would have bought in.
I'd much rather use one of those systems where you get your own report from a reputable company and share the report id. Instead of paying an overpriced application fee to a bunch of places.
I just pulled my actual credit reports from all three bureaus and my landlord was satisfied.
But a tenant screening also looks for evictions (a civil case), criminal cases and whether you are on the sex offender list.
Still a hard pull.
>But a tenant screening also looks for evictions (a civil case), criminal cases and whether you are on the sex offender list.
True, though some are modular and can be run without the credit portion.
i.e. when you take out a loan.
This is the key difference. So far none of the free credit scores I've been receiving match the number pulled when applying for a loan.
But I find everything else about Credit Karma well worth the tradeoff - free access to two of your credit reports, a summary of all of your debt (without entering your bank credentials into random third party services), credit alerts etc.
It’s not really privacy invasive. Lenders already have the ability to get the same summary of your credit information without your consent.