Credit Karma Score Drop

[Tmac7631]

I recently logged on credit karma site today. My score has dropped 74 points. I have no idea why it has dropped this much. I have been on that site for almost 3 years now and never have had a drop in my score. My file on there shows no new accounts added for collection or judgments. What would cause this big drop in my score? Is there a glitch on the site for my data?

[fot1]

It is Credit Karma.. no body knows why it does what it does.. That said it is a fako.. so it doesn't matter..

[user5387]

I would suggest pulling your actual reports from the bureaus, and check to see if they're accurate.

If you want to get a score, I'd go with EX 08, EQ 08, or TU 08 (this site or Barclays / Discover / Walmart).

[Tmac7631]

I pulled my 3 reports from the annual site earlier this year and they looked fine. I have no idea what is going on. I will have to pull my TU report on this site and see what is on it. I have not pulled a report from this site since 2011. Thanks to all who responded.

[alvon123]

What is your utilization at on Credit Karma?  I dropped major points on Credit Karma for having 0 utilization. (Don't forgrt its just a FAKO score)

[Tmac7631]

my uti is at 25% right now. Yes I know it is a FAKO score. I just cant figure out why the big drop in points all of the sudden. Nothing has changed account wise on my reports.

[takeshi74]

Again, doesn't really matter since no creditor uses FAKO's.  If you're curious you really just have to dig through your TU report.  Did any accounts close?  Did any accounts drop off?  You really have to do a detailed comparison before and after the drop if you want to find out though it's alos possible that it's due to rebucketing and/or changes to their algorithm (though my CK score has been exactly the same for the past few months, FWIW).

I'd suggest not obsessing over the specific numbers (especially FAKO's) and focusing on the data in your reports.  A clean, good report will yield good scores.

[Shogun]

CK only scores AAoA for open accounts, did you have an account close?

[vanitybag]

This is my very first post.  So please be kind everyone.  On 4/24/14 checked my CK score it was 735.  2 weeks later it is 722.  13 point drop.  all i did was pay for a Myfico scorewatch which was 783 BTW.   What's with them?  Or is it me???

BoA9700/Citicard 8900/ BoA Rewards7500/Amex Blue1800

MY Scores so far   EQ 800   Scorewatch FICO 783   waiting for more

thanks all

[myjourney]

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@vanitybag wrote:

This is my very first post.  So please be kind everyone.  On 4/24/14 checked my CK score it was 735.  2 weeks later it is 722.  13 point drop.  all i did was pay for a Myfico scorewatch which was 783 BTW.   What's with them?  Or is it me???

BoA9700/Citicard 8900/ BoA Rewards7500/Amex Blue1800

MY Scores so far   EQ 800   Scorewatch FICO 783   waiting for more

thanks all

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Welcome to the forum 

We're always nice here Lol

Pay CK no mind when it comes to scores they are what we call (FAKO) meaning fake....not real Fico scores 

Just use them to monitor your TU report