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Frequent Contributor
Posts: 336
Registered: ‎08-12-2011
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Credit Karma score

I just got my score from Elan Financial and it matched my score on credit karma. 

 

Moderator Emeritus
Posts: 14,711
Registered: ‎12-30-2011
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Re: Credit Karma score


ShiningDown wrote:

I just got my score from Elan Financial and it matched my score on credit karma. 

 


Which score on CK?  Transrisk: pure luck imo, Vantage Score, good info!

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Frequent Contributor
Posts: 336
Registered: ‎08-12-2011
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Re: Credit Karma score

Transrisk.    US Bank pulled transunion   3 weeks ago and it was 697 so I don't know what type of scoring Elan Financial  is using.

Regular Contributor
Posts: 187
Registered: ‎04-28-2012
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Re: Credit Karma score

It may be a fluke, but my TU Fico here on QM is the same as my TU Vantage score on Credit Karma.

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Frequent Contributor
Posts: 336
Registered: ‎08-12-2011
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Re: Credit Karma score

My vantage score is reading 682 on credit karma. I went back a few weeks and it was 698 so US bank was using vantage score when they checked my score,I guess.

Moderator Emeritus
Posts: 14,711
Registered: ‎12-30-2011
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Re: Credit Karma score

[ Edited ]

ShiningDown wrote:

My vantage score is reading 682 on credit karma. I went back a few weeks and it was 698 so US bank was using vantage score when they checked my score,I guess.


Can't make this assumption honestly.  On the assumption you got a letter from USBank regarding your score, if it says FICO anywhere on it, then it definitely wasn't VS.  If i doesn't, well then it may be but you'd need to line up the score ranges for any sort of realistic conclusion.  

 

It's possible as I know VS is used by a few small lenders, but USBank is a national lender, and I'd be pretty surprised if they were.  I do think the letters people received at least on the credit card apps were FICO recently.  What did you wind up applying for that you hit that 698 which lined up with your VS?

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Frequent Contributor
Posts: 336
Registered: ‎08-12-2011
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Re: Credit Karma score

[ Edited ]

My letter from US Bank says....We obtained your credit score from Transunion and your credit score was 697 0n 6/22/12. Transunion fico risk score classic 04 Bankcard scores can vary from 250-873.

US Bank checked my credit report for cli and only did a soft pull, that's why I got a letter and score from them.

 

 

697 matches my vantage score on credit karma when they pulled my scores in June. Now my vantage score says 682 today.Transrisk says 647 on creditkarma.

Score changed after 2 hard pulls this month.  


 
  •  
Provided by TransUnion
YOUR VANTAGESCORE HISTORYinfo
Jul2012 
 
YOUR VANTAGESCORE
682

Credit Grade D

Last updated: Jul 25, 2012

 
 
       
 
  
 
 
 
 
 
 
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Credit Karma score

My CK score is lower than my FICO score.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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Re: Credit Karma score

Both my TU04 when getting mortgage pulls was nearly dead on to CK, and now TU08 through walmart is very very close - within a few points.

 

DH's CK score is 50-100 points lower that his FICO TU.

 

Unpredictable.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

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