1d • General discussion
🗂️ How to Get Your REAL Credit Reports (Not Credit Karma)
Pop quiz: Where do most people check their credit score?
If you said "Credit Karma" - you're not wrong, but you're not getting the full picture.
**Here's what you need to know:**
📱 **Credit Karma, Credit Sesame, etc.**
- Free and easy to check
- Good for monitoring trends
- ❌ NOT what lenders see when you apply for a mortgage
🏦 **What Lenders Actually Use:**
- FICO Score (specifically FICO 2, 4, and 5 for mortgages)
- Can be 20-80 points DIFFERENT from Credit Karma
- This is what determines if you get approved
**How to get your REAL credit reports:**
-$29 a month for the credit report
-Includes Free AI assisted credit repair
-Cancel anytime
- Free reports from all 3 bureaus once per year
- Shows ALL your accounts and history
- No score included (just the report)
**Questions?** Drop them below! 👇
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🗂️ How to Get Your REAL Credit Reports (Not Credit Karma)
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