My Credit Karma Credit Score is Over 600!

Two years ago, around the time when I had left my full time office job to work online, my credit score was in the tank.  I wasn’t making enough money to support myself and my massive debt load and as a result,  I was late on almost every payment I made.  And if that wasn’t bad enough, I regularly wrote checks I knew I didn’t have the funds to cover and finagled my way through collections and $225,000 in debt.

By the grace of God and a few key people in life, I’ve worked my way out of this debt monster, to where my current debt amount is just south $190,000.  $35,000 is quite a high amount to pay off in two years and hopefully the next two will be just as kind.  Already, I’ve noticed a great increase in my credit score and according to Credit Karma and their Transrisk score, I’m officially at 604!

You might be thinking that a credit score of 604 is nothing to brag about but you would be wrong.  When I opened my Credit Karma account in late 2009, my credit score was an abysmal 431.  I didn’t think a credit score could be so low, but when you’re fighting off a few collections and have an on-time payment history of less than 50%, that’s going to happen.  I have more than 25 active accounts right now and my credit score has improved 170 points in 24 months because everything, and I mean everything has been on-time.  With a little more time and a little more effort, I’m confident I can have my credit score at 700 by August of 2012.

In checking my credit score, I noticed a new neat feature of Credit Karma and it’s that the credit score can be updated at any time, with no restrictions.  The credit score that Credit Karma provides is not a FICO score, rather a credit score from TransUnion, one of the three major credit bureaus.  Even though I don’t have a view of my credit report through Credit Karma, I do see a report card, that accurately breaks down my profile.

I never thought I would be happy with a D, but progress is progress.  Credit Karma is free, easy to use and rather than always having to sign up for free trials and cancel them, this is a perfect tool to utilize in following the progress of your credit.  I highly recommend signing up for an account on Credit Karma and habitually checking your credit.

Published or Updated: March 5, 2013


  1. Pamela says:

    Congratulations on improving your credit. It’s great that you’re willing to be honest about your struggles because so many people in the same situation don’t have any hope that they can make things better. You’re proof that it can happen with steady progress over time.

    As your credit improves, it will make your situation better in a number of ways. Most people don’t realize a low credit score can cost you more in homeowner’s and car insurance, for instance. So keep up the good work!

    And thanks for sharing.

  2. Bethy says:

    Awesome about your HUGE credit score improvement! Glad you’ve been able to follow your credit score progress at CK. Best of luck as you aim for 700 by 8/12. We rooting for you!

  3. jamaicanmecrazy says:

    This is crazy. I believe your story, but not this Credit Karma crap. The FTC’s website (barely) warns against sites like these. Check it out

    • Michael says:


      I’ve been using Credit Karma for years now and the site is nothing but quality. It’s 100% free to use and the FTC website you refer to informs customers that they can get their credit report for free at

      I use that site too once a year, but for tracking my credit score (which is not provided from Credit Karma is great.

  4. Ryan says:

    Congrats on the progress, Mike. I think most people in your situation would have called it quits months ago and just filed for bankruptcy. But it’s good to see someone man up like you are doing. Glad to see your progress!

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