Intuit Credit Karma vs Experian Utilisation & Stats

Get everything you need to outsmart the system with Intuit Credit Karma: • Insights: Connect your accounts to view them in one place. Monitor your transactions, spend and net worth and find ways to save money. • Free credit monitoring: Get alerted when your score changes, learn what affects your credit scores and get tips on how to improve. • Advanced Cards and Loan Marketplace: You can find the best credit card and personal loan offers for you and see the specific credit limits, exact loan amounts and rates you could get approved for. • Credit Builder: Boost a low score by an average of 21 points in 3 days.* • Checking: Direct deposit your paycheck into your Credit Karma Money SpendTM account** and you could access your paycheck up to two days earlier.*** • Drive Score: With a good drive score, you could save big on car insurance from a nationally trusted provider. Download the app to get started. DISCLOSURES *A connected external account, connected paycheck or one time direct deposit of at least $750 is required for activation. Credit Builder plan is serviced by Credit Karma Credit Builder and requires a line of credit and savings account provided by Cross River Bank, Member FDIC. Members with a TransUnion credit score of 619 or below who opened a Credit Builder plan and had it reported on their TransUnion report saw an average credit score increase of 21 points in 3 days of activating the plan. Credit Builder is not provided by MVB Bank. **Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. ***Early access to paycheck is compared to standard payroll electronic deposit. Early access is dependent on timing of payor's submission. Payor may not submit paycheck early. Some screen images are simulated. Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | California loans arranged pursuant to a California Financing Law license. Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748. ELIGIBILITY AND ADDITIONAL DETAILS; PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. Credit Karma members are shown offers with Outstanding Approval Odds^ when available to them. Offers with Outstanding Approval Odds have rates that range from 3.86% APR to 35.99% APR with terms from 1 to 10 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender's terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts. PERSONAL LOAN REPAYMENT EXAMPLE. The following example assumes a $15,000 personal loan with a four year (48 month) term. For APRs ranging from 3.86% to 35.99%, monthly payments would range from $338 to $594. Assuming all of the 48 payments are made on-time, the total amount paid would range from $16,212 to $28,492. ^ Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.