Posts: 128
Registered: ‎12-26-2012

Does anyone here use Do you know how accurate it is?

Frequent Contributor
Posts: 485
Registered: ‎05-11-2007


I use CK just to know when things pop up on my credit report. They say my score is 604. We are a year into a Ch. 13 BK so this sounds about right but it has been a while since I pulled a score here to compare.

Filed Chapter 13 bankruptcy 04/12 after two and a half years in a DMP. So wish we would have done the BK sooner. Live and learn!
Posts: 79
Registered: ‎03-23-2013


Credit Karma is about 35 points lower than MyFico for TU score. I've found that is a lot closer than CK is and it's also a free service. But either way, none of them are true Fico scores like MF

Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Valued Contributor
Posts: 1,060
Registered: ‎02-06-2013


    Credit Karma's scores are fako scores so I wouldn't put too much stock in them.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Established Contributor
Posts: 827
Registered: ‎03-04-2013


As far as I can tell from mine, they pull from the TU report only.

FICO: EQ 722 | TU 723 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $13.5k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

My Credit Repair Journey
Established Member
Posts: 21
Registered: ‎12-11-2007


MYFICO and my Credit Karma score are only 15 points different I was surprised but I use Credit Karma, Credit Sesame and as you can see MYFICO they all do different things for me I get different info from each one. If it was not for the advice I got from Credit Karma my T/U would not have gone up 50 points in one day. I had only one car loan from Chase I pay extra and on time but I was very apprehensive to apply but since Credit Karma told me to apply that's the only reason I did and I was approved for a very high balance.

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