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Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012
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Credit Karma Transrisk vs. Vantage

i know they're both FAKOs and have different scoring algorithms, but my transrisk score has been level with one modest jump (11pts) last week while my vantage score has been steadily increasing (total of 50 points in july).

 

i know the scales are different too but i just thought they would generally move in sync. and the timing of the transrisk jump was also weeks after TU deleted some baddies.

 

any technical geniuses figure out what these scores prioritize that would cause this?


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
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Valued Contributor
HoldingOntoHope
Posts: 1,057
Registered: ‎09-29-2009
0

Re: Credit Karma Transrisk vs. Vantage

[ Edited ]

I believe it was because Saturn moved into the Pisces constellation while the moon was waning! Seriously, it is difficult enough to try and figure what affects my FICO score with so many your mileage may vary variables without having to worry about how my FAKO scores are going to react or why they do.

 

Edit to add: To OP and others - This reply was not intended to come off as snarky or sarcastic and I apologize in advance to any who are offended.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


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Senior Contributor
jsucool76
Posts: 3,984
Registered: ‎12-11-2011
0

Re: Credit Karma Transrisk vs. Vantage

Eh, I stopped trusting CK today, my WF and paypal smart connect started reporting on TU and when I updated CK, my vantage score jumped like 110 points (to 737) and my Transrisk score jumped from 538 to 657. Just doesn't seem likely to jump over 100 points to me :smileytongue: 

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Valued Member
Cranski
Posts: 94
Registered: ‎07-21-2012
0

Re: Credit Karma Transrisk vs. Vantage

The numbers are useless but the alerts are usefull. Such notices as score change, HP notices, and any change in insurance risk evaluation. Not the amounts just the notice of change.

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Regular Contributor
mschang
Posts: 139
Registered: ‎06-10-2012
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Re: Credit Karma Transrisk vs. Vantage

yes i do like the charts so CK is definitely useful.

 

not quite related to the original topic but i noticed an increae in my FAKO when a 2-year old inquiry fell of so CK FAKOs may include two years of inquiries instead of one.


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
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pizzadude
Posts: 9,674
Registered: ‎01-28-2010
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Re: Credit Karma Transrisk vs. Vantage


mschang wrote:

yes i do like the charts so CK is definitely useful.

 

not quite related to the original topic but i noticed an increae in my FAKO when a 2-year old inquiry fell of so CK FAKOs may include two years of inquiries instead of one.


Yep, most FAKOs have different scoring for inquiries, utilization, AAoA, etc....than FICO, so they can't be correlated at all.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
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Re: Credit Karma Transrisk vs. Vantage

VantageScore is actually based on FICO. Introduced by EQ, EX, and TU, Vantage score is used by some lenders (Chase is one of them).

 

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Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Credit Karma Transrisk vs. Vantage

Chase does use VS for some approvals, but they don't appear to use it consistently or exclusively for any products.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Senior Contributor
jsucool76
Posts: 3,984
Registered: ‎12-11-2011
0

Re: Credit Karma Transrisk vs. Vantage

Bah, if chase uses vantage id be thrilled. My vantage on ck is in the low-mid 700s
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Established Contributor
lithium78
Posts: 930
Registered: ‎07-30-2011
0

Re: Credit Karma Transrisk vs. Vantage

Credit Karma is useless.  My Walmart TU score jumped about 40 points when some baddies were removed, but Credit Karma hasn't changed in months.  You can't trust FAKOs at all.  My Credit Sesame account is reporting twice the amount of my student loans;  I checked my Experian report from their website and they have the information correct, so it's just Credit Sesame being stupid.


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