Credit Karma™

imageThis post is sponsored by Credit Karma™ and endorsed by a busy, financially overwhelmed new Mom! Having a baby was one of the best experiences ever but also THE most expensive. I received 12 different bills – it was insane and incredibly confusing. One for the epidural, one for the baby, one for you, and one for the appointments…they kept pouring in like the rain. With that plus other bills, working F/T and taking care of a newborn baby it’s very easy to get overwhelmed and break down.  Staying organized and on top of your finances is a good way to check a big chunk off of your “list of stressors.” I’ve had someone steal my identity in the past (isn’t it funny how they always manage to choose the brokest people). Staying on top of my credit helps me feel in control. I’ve used sites like where your report is supposedly “free”. However, you’re still prompted to enter your card information so they can start charging you like mad when you forget to cancel the service. And that’s incredibly annoying plus a waste of time.

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This is what the credit report looks like (it’s not mine lol it’s a sample)…but Williams Sonoma has a card?? I wonder if I need that?! Just kidding, back to being serious…
Credit Karma™ is pro-consumer. No strings or payment information attached. I started to use it last week and I feel more in control of my report. I’ve also learned a lot about what metrics define my overall financial health. Here are some of the main benefits:
– There are over 50 different types of FICO scores (confusing much?) but Credit Karma™  does a real score, not an “educational” score
– They can match your profile with financial products (but do not pressure you to make a purchase)
– Overload of resources and tools that help you understand every detail of your report and how it impacts you
– Your report is monitored on a daily basis and you are notified if any changes occur

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It takes about 5 minutes to sign up (or less) and if you’re a multi-tasker like me you can even do it real quick from your phone. It’s insane that there are 220 million Americans with a credit profile and 30% of them have never checked their credit – yikes! Head over to their site right now and take a look at what’s going on with your credit.

This is a sponsored post written by me on behalf of Credit Karma™

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