Credit Karma Score?

epicureanism · ‎02-21-2013

I have get a new citi forward. Prior to this I only have a BOA cash rewards for 5 months. Why my TransRisk score decreses by 37? At the same time my Vantage score increases by 12? Does anyone have any idea how Credit Karma calculates its scores? Thanks.

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.

Simply827 · ‎02-21-2013

The inquiry and new account dropped your score. The new account also resulted in lower UTL which bumped one of your others. Don't worry too much about your CK scores, they're not real FICOs

Revelate · ‎02-21-2013

Transrisk is as Transrisk does.

Seriously, invest in a Oujia board to determine how that algorithm works .