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Does Credit Karma offer correct TU score?

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MountainHiker
Established Contributor

Does Credit Karma offer correct TU score?

Decided to join Credit Karma tonight and so far glad I did. I'm a paying member of Creditchecktotal and that site gives tons of info including all three credit scores.But the EQ & TU scores are fako.However, the Experian scores on Creditchecktotal is 100% correct.I know that because of joining the pay site of Experian  and found it to be the exact same score found on Creditchecktotal.Btw, Experian owns creditchecktotal and that explains why the scores are the same.

 

I see TU owns Credit Karma.Are Credit Karma scores exactly the same as TU and true, or is it a Fako score?

Thanks

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 1 of 13
12 REPLIES 12
nicholasyud
Valued Contributor

Re: Does Credit Karma offer correct TU score?

Those score is not Fico score .....

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 2 of 13
score_building
Senior Contributor

Re: Does Credit Karma offer correct TU score?

ALL the  scores on CCT and CK are FAKO.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 3 of 13
sgs10
Regular Contributor

Re: Does Credit Karma offer correct TU score?

Its fako cc uses tu for their scoring model
Message 4 of 13
Anonymous
Not applicable

Re: Does Credit Karma offer correct TU score?

My cc score is 604, my tu FICO is 654, and may be higher since two cards updated since Wednesday.
Message 5 of 13
lithium78
Established Contributor

Re: Does Credit Karma offer correct TU score?

Credit Karma is incredibly inaccurate.  My CK score is 40 points lower than my Walmart TU04 score.  Ridiculous.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 6 of 13
sgs10
Regular Contributor

Re: Does Credit Karma offer correct TU score?

Yes it is indeed incredibly ridiculous for free Smiley Very Happy

Message 7 of 13
Anonymous
Not applicable

Re: Does Credit Karma offer correct TU score?

The EX score is still a FAKO. There are only a few ways to get your true EX score (lender pulls, some CU in Pennsylvania gives them out)
Message 8 of 13
lithium78
Established Contributor

Re: Does Credit Karma offer correct TU score?


@sgs10 wrote:

Yes it is indeed incredibly ridiculous for free Smiley Very Happy


It might be free, but a free turd is still a turd.  Credit Karma is very deceptive with their scores and I bet a lot of people are making poor financial choices based on the information CK provides.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 9 of 13
sgs10
Regular Contributor

Re: Does Credit Karma offer correct TU score?

I really understand ur concern its tough for people who has no 101 about credit

Message 10 of 13
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