Those who use the "Credit Karma" and "Experian" apps, would you say they are reliable in making sure you have no debt?

[ADFSDF1996]

Long story short, for about a couple weeks I was receiving suspicious phone calls from a caller ID of "portfoliorecov" which is the most hated scum of the Earth debt collection agency in the US. Logically I didn't answer because I automatically knew that they most likely weren't actually "portfolio recovery" and were probably scammers pretending to be debt collectors. So instead I looked up the phone numbers that were calling and sure enough, those phone numbers are listed as being scam robo callers. Nonetheless being someone who is hyper vigilant and anxious, I had to be extra sure that there is no debt on my record even though I was already 99% sure there is no debt on my record.

So that's when I decided to download and use both the Credit Karma and Experian apps. Now I know that Credit karma's credit score listings are off by a few points due to the fact they don't include Experian, hence the reason why I have to also use the Experian app. Other than that, I've heard mostly good reviews about the credit Karma and Experian apps and based on what these two apps say, I have nothing to worry about because I have no debt. But my main question here is if these two apps are good enough to know whether or not one has debt.

I know that the "annual credit report" is the most commonly used method of checking one's credit but it's an overcomplicated website that asks for ridiculously hard questions before one can see their credit score and possible debts.

P. S. I prefer you only answer this question if you use the Credit Karma and the Experian apps because I want answers based on personal experience as opposed to speculation.

Updates

8 mo

update: It was a false alarm. They were a bunch of foreign (Indian or filipino) scammers using Interactive voice response (IVR) technology to mask their accents and come across as being official. They would have you think you are talking to a 60 year old Karen in Nebraska but in reality you are talking to an AI being controlled by a 30 year old Deepak somewhere in India.

Even though the masterminds of these spam calls are scammers, I still think debt collectors are subhuman scum of the Earth

[DrKrieger]

I've had some buddies have debt issues in the past, so I'll tell you what I learned through them.

FCRA rules (us only) require a debt collector to notify you of a debt and that you are allowed to dispute the debt.

As far as I know, I've only ever heard of that notification coming through mail as that 30 day timer starts when they send the letter not when you receive it (it's in their interest to notify you via mail). Also, some debt isn't immediately reportable to Experian, Trans Union, or Equifiax. For instance, some states have laws blocking notification to the aforementioned when that debt is under $500, or medical.

My advice to you: check the other two credit bureaus, read up on the FCRA law to find out what a debt collector is required to tell you. Finally block the calls and wait for the mail notification ( if it's legit they will send it ASAP to start the interest rate accumilation )

[ADFSDF1996]

Yeah I already checked with all three credit bureaus through credit Karma (Transunion, equifax) and Experian and there is no debt according to them, plus my credit score is very good.

I haven't received any mail notifications, only suspicious phone calls which are surprisingly not frequent. I think I've only received about 5 of these calls, in the past 2 weeks or month. When the real portfolio recovery is notorious for spamming calls throughout a day, which is something they got in trouble for. And after googling these suspicious phone numbers, it turns out that a lot of people have complained about them as well. Some people even recorded them to which only static or female giggling can be heard in the background.