Q. I have used Credit Karma for a while now and loved it. That is until I went to lower the interest rate on my vehicle. Same with Quizzle. I have been rebuilding my credit and my husband has been doing the same. Last year we bought a brand new car. It is a little to soon to refinance but we went down to see if we could lower the interest rate and get our payments lowered. I have been monitoring our credit and according to Credit Karma it had improved a lot and was pretty good. Go down there and we cant. They use equifax to determine credit and our equifax score was way lower than credit karma which uses transunion. Quizzle uses experian. Is there any use to use these two? Everywhere I have applied for credit used equifax. Why even bother with them?
Answer
CreditKarma and Quizzle do not give you actual FICO scores. They are both Fakko scores. CreditKarma is generally within 50 points of your FICO. These sites only give you a general idea of how your credit/score is doing.
Not all creditors report to all three credit bureaus. Since the credit bureaus were once regional, certain areas of the country tend to use one credit bureau more than the others. You may want to pull your actual credit reports (AnnualCreditReport.com) and see what shows on each. If the same info shows on your Equifax and TransUnion reports, the CreditKarma score should be within 50 points of your FICO for either one. But it is very possible that the reports are different and that could mean a huge diffference in scores.
CreditKarma and Quizzle do not give you actual FICO scores. They are both Fakko scores. CreditKarma is generally within 50 points of your FICO. These sites only give you a general idea of how your credit/score is doing.
Not all creditors report to all three credit bureaus. Since the credit bureaus were once regional, certain areas of the country tend to use one credit bureau more than the others. You may want to pull your actual credit reports (AnnualCreditReport.com) and see what shows on each. If the same info shows on your Equifax and TransUnion reports, the CreditKarma score should be within 50 points of your FICO for either one. But it is very possible that the reports are different and that could mean a huge diffference in scores.
Can Tow Truck Drivers Follow You Home and Tow Your Car?
elyk111
Hello all:
My friend was parked behind a business and there were no visible "No Parking" signs anywhere. However, a crusty-old security guard STILL called a tow truck to tow his car away.
As he was arguing with the security guard, I noticed the tow truck driver taking down my friend's license plate number.
He's worried right now and wondering if the tow truck driver can look up his address, go to his house, and tow the car from there.
I told him it might be illegal for them to tow his car from a different location; even IF he parked illegally in a different location and got away with it.
But he still parked the car in his dad's garage for tonight (he lives only a few houses down).
Now then, I want to know if I lied to him or gave him correct info. He's very scared and wants to know as well.
Any help would be greatly appreciated. Thank you in advance. Have a great night and a beautiful morning.
Answer
It is illegal to tow a car when there is not a sign warning or it is blocking an important entrance or something. Once you arrive to remove your car, then it is also illegal to try to continue to tow. Definitely towing from your house in secret is absolutely illegal, and you could sue the pants off them. They would like to make the money from towing, but I don't think they would risk towing from a home. They would lose their license for that. When the tow truck shows up, I would give him $10 or $20 for not towing. Otherwise he made a trip for nothing, and it is bad karma.
It is illegal to tow a car when there is not a sign warning or it is blocking an important entrance or something. Once you arrive to remove your car, then it is also illegal to try to continue to tow. Definitely towing from your house in secret is absolutely illegal, and you could sue the pants off them. They would like to make the money from towing, but I don't think they would risk towing from a home. They would lose their license for that. When the tow truck shows up, I would give him $10 or $20 for not towing. Otherwise he made a trip for nothing, and it is bad karma.
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