Are you using Credit Karma?

I never heard of it.

No, I don't.

Nope.

Yes.

So many businesses (insurance companies for example) use it in their risk analysis procedures, I like to make sure I stay in the "excellent" range for my credit score.

And I have found that using an interest free offer to fund a major purchase to optimize cash flow and take advantage of "cash back" cards can knock 50 points off your FICO score for 2 or 3 months.

All the time. Good credit site.

Nope ! Never had a need for it.