My general rule of FAKOS is +/- 200 points. YMMV of course. 
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Starting Score: TU: 566
Walt_K wrote:CreditKarma provides a completely accurate Transrisk score and Vantage score. These are competing score models that are not meant to be a predictor of FICO score.
Transrisk is an educational purpose score, no lender uses this and as such it's not relevant to any sort of underwriting approval. TBH, I find it more for entertainment value than anything else, one month I paid down my credit card balances and my score dropped. Good times!
Vantage might have some value as there are a few lenders which use it occasionally today and it might gain wider adoption in the future; however, it was developed by the CRA's jointly to be a direct competitor to FICO's products, unlike any of the educational scores provided by any of the bureaus.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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timw970 wrote:
I have found CK to b the most informative of any on the melt. And after all it is free people
Also scores have been very close to the banks. No complaints here! Who else can we go to and get all CK gives us.
If your CK score is close to your FICO score it is just a coincidence.
Not sure what you mean by where else can you go and get all CK gives you. Quizzle will give you a free look at your EX report along with a every 6 months. And I think CreditSesame gives you a free look at your EX report every month, but I can't remember how CreditSesame works for sure. So not a daily puller for TU, but still some additional free access to your reports.
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