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On CreditKarma my credit score is 649 but on CreditSesame it's 736. I've recently got my free credit reports but only paid for the Equifax score which was 705. Are the creditkarma and Creditsesame the other bureau scores? If so why is it such a drastic difference between scores?
Thanks in advance!!
@Getlostinfic wrote:On CreditKarma my credit score is 649 but on CreditSesame it's 736. I've recently got my free credit reports but only paid for the Equifax score which was 705. Are the creditkarma and Creditsesame the other bureau scores? If so why is it such a drastic difference between scores?
Thanks in advance!!
CK is a snapshot of TU
CS is a snapshot of EX
Both are FAKO scores
I know CK is based off TU
Imma take a shot and say creditsasame is based off EQ??
fwiw.
Credit Karma - TU (Pull Every Week)
Credit Sesame - EX (Pull Every Month)
Credit - EX (Pull Every Month)
Quizzle - EX (Pull Every 6 Months)
Pull your "true" scores here. These are FICO scores, not FAKO, and are accurate to the day.
@KIPPIE12 wrote:Pull your "true" scores here. These are FICO scores, not FAKO, and are accurate to the day.
Yes, but they are not necessarily what the lenders see, because of version differences (both in release version and whether an enhanced score is used) so in many ways not really different from FAKOs.
There are advantages in going to the CRA in some cases, e.g. Equifax has a FICO score available on its site, and the report from there will contain soft pull information.
The TU 98 score here is not widely used.
Credit sesame has free daily monitoring of your report
"We monitor your credit on a daily basis and we'll alert you when we find important changes on your credit report. Most users receive between 5 and 10 credit monitoring alerts per month."
I have gotten alerts anytime a balance is reported, inq's are added or removed as well as cl updates in the past two weeks. Reports just as fast, if not faster then my EQ report (scorewatch)