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Credit Karma laugh

Valued Contributor

Credit Karma laugh

Just for the hell of it I decided to log into Credit Karma (qhich I have not used since January 2011 apparently) and see what it said my score was. 


Just for comparison:

Credit Karma 633

myfico EQ score 726

USAA 729


Also, I don't know if this has been posted around here but CK MUST use TU for their data.

Starting a whole new chapter
Message 1 of 21

Re: Credit Karma laugh

Oh, yeah...they do. Did you click "update score" so that it showed report as of 12/21/12? Or did it say score from 01/2011?


My CK score dropped from 680 to 667 after I paid off a card!

It reports I lowered my util and raised my available credit, and it still drops my score!~?

Nothing else on the report changed.


I can't wait to update myFico TU report later today to see the increase in score because I was expecting it from CK and didn't get it! Ha!

Message 2 of 21
Valued Contributor

Re: Credit Karma laugh

Yup CK does use TU

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 3 of 21
Established Contributor

Re: Credit Karma laugh

It does use TU.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 4 of 21
Established Contributor

Re: Credit Karma laugh

My wife paid her student loan off and it dropped her score 15 points on ck and 30 on eq fico. Said too few positive accounts. **bleep**
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 5 of 21

Re: Credit Karma laugh

Too few positive accounts??! Ha!


I thought loans close after you pay off but still report under satisfactory accounts, so long as no late payments?


Message 6 of 21
Valued Member

Re: Credit Karma laugh

I think CK's scoring algorithm weighs UTIL way too much.  My score is always about 50 points lower than real life at CK and I've seen trivial payments bump the score significantly.  It's a decent tool to see daily updated transactions on TU, and the price is right - free.

Walmart TU Score 740
Chase Freedom($5000); CitiThankYou Preferred($5000); GEWM Discover($3500); Walmart Store($1300); AMEX Gold; AMEX BCE($6000); GE Discount Tire($1500); Mor Furniture ($4700);Cap1($750)
Message 7 of 21
Valued Contributor

Re: Credit Karma laugh

CK also uses Average age of open accounts, rather than average age of accounts, so closing an account can have a bigger hit on CK than on a FICO score.

Message 8 of 21
Regular Contributor

Re: Credit Karma laugh

Just pulled myFICO TU and CK at the same time.

myFICO says 671. CK says 649.


Well, 22 points difference is not too bad, I guess :-)

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 9 of 21

Re: Credit Karma laugh

1hardinquiry wrote:

Too few positive accounts??! Ha!


I thought loans close after you pay off but still report under satisfactory accounts, so long as no late payments?


FICO yes, CK's FAKO who knows Smiley Happy.  I suspect they only calculate off open accounts for nearly everything.


CK is completely useful as easy and pretty accurate access to your currently opened tradelines on TU; the scores though really should only be used for entertainment value as any similarity or disparity to your actual FICO scores is utterly coincidental.  Possible exception to the enterainment factor for the Vantage score as that is actually a direct (but rarely used) competitor to FICO.


My own TU98 vs. CK is roughly 39 points off for whatever that's worth... and that's fairly recent too, it was more than 70 off two months ago but I've had some movement on CK's Transrisk score while my FICO scores have flatlined.


Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)

Take the myFICO Fitness Challenge
Message 10 of 21