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Credit Karma Scoring - Too Low or Too High?

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cobra19
Valued Contributor

Re: Credit Karma Scoring - Too Low or Too High?

mandi.........the CK scores, like TC's, are 100%, totally,  and completely meaningless.  Don't even try to figure it out. Heck, nobody completely understands FICO scoring, let alone CK, or TC, or any of the  other phony scoring models.
 
THE ONLY SCORES THAT COUNT ARE FICO.
 
 
New York Yankees - 2009 World Series Champions. 27... and counting.....
Message 11 of 21
mandi
Established Member

Re: Credit Karma Scoring - Too Low or Too High?

Hi Cobra -
 
I know the scores are meaningless, it's just mind boggling how varied they can be.  From the high side for my husband and the low side to me.  It makes you want to repull everything and doublecheck just to make sure nothing is going on!
 
 
Message 12 of 21
haulingthescoreup
Moderator Emerita

Re: Credit Karma Scoring - Too Low or Too High?

Dang, I'd love to try these things out, but I refuse to give my e-mail. Smiley Mad

I guess I need to create a gmail account to use for situations like this. I already have enough links for cheap Viagra to... well... whatever! Smiley Tongue
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 13 of 21
tonsers
Frequent Contributor

Re: Credit Karma Scoring - Too Low or Too High?

Today, my TU was 757, CK was 817. Not even close!
Message 14 of 21
NICKI183
Established Contributor

Re: Credit Karma Scoring - Too Low or Too High?

What is CK and why do you need an invitation to get in?  Why is the margin of low/high so different between the fake and the real?
Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%
Message 15 of 21
Anonymous
Not applicable

Re: Credit Karma Scoring - Too Low or Too High?



NICKI183 wrote:
What is CK and why do you need an invitation to get in?  Why is the margin of low/high so different between the fake and the real?


Np idea why you need an invitation.  The margin between the fake and the real is so great because the fake is fake.  It's not worth the paper its printed on or the electricity used to generate it.

 
Message 16 of 21
Anonymous
Not applicable

Re: Credit Karma Scoring - Too Low or Too High?

My CK results were 717, higher than my actual FICO's which are EX680 - TU689 - EQ683
Message 17 of 21
Anonymous
Not applicable

Re: Credit Karma Scoring - Too Low or Too High?

Today, my Credit Karma score was 880.
Message 18 of 21
modernsurrender
Established Contributor

Re: Credit Karma Scoring - Too Low or Too High?

CK = 448
Most recent Ficos in the sig.  (CK is massively lower.)
The first time I used CK was Feb 4th and it scored me at 436 then.
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 19 of 21
WhirledPeasPlease
Moderator Emeritus

Re: Credit Karma Scoring - Too Low or Too High?

I bit the bullet..
 
TU Fico 661
TU Plus 707
TU CKarma 697
TU TC Faco 662
 
Ahhhhh.....
 
ETA:  which faco I was referring to..  there are too many!


Message Edited by WhirledPeasPlease on 03-02-2008 09:54 PM
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 20 of 21
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