Review: Credit Karma

CreditKarma.com is a site that lets you check your credit score instantly for free--no strings attached. You don't get to see your actual report, but you can track your credit score over time by checking it as often as you'd like.

And no, contrary to rumor, checking your own credit score does not affect your credit score or negatively affect your credit in any way. No worries.

I for one can see no downside to using CreditKarma. It's quick, easy, completely free, and totally useful. I highly recommend it.

After you receive your score, they'll display a list of offers from various partner companies: credit cards, banks, internet service providers, etc. None of the offers are exclusive--you can find them elsewhere, but many of them are worth checking out. For instance, there's an offer from Comcast for cable i-net @ $19.99/month for the first six months. This is a great deal. I've done it before (it's ongoing), and it's totally worth it, especially if Comcast is the only cable company in your area. (I wouldn't recommend them otherwise. They've got lousy customer service and their normal rates are ridiculous. But if you don't have an alternative anyway and want a fat discount, there you go. My roommates and I rotate the bill into each of our names every six months to keep the deal going. This is somewhat cheating, yes, but we certainly don't feel bad.

CreditKarma's site also has some helpful credit-related articles that are worth checking out. Head on over, get educated, and keep an eye on your credit score.

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