My Fico vs Credit Karma

[Anonymous]

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@peaved_about_credit wrote:

So...... I just signed up here for monitoring and my scores are 74 points higher on myFico!  Okay? I'm (1) confused (2) angry!  Which should I believe? Ficos are true scores right?

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If your scores are higher on myfico, you should be happy, because those are real Fico scores and are far more indicative of where you stand in the eyes of most creditors than Fako/non-Fico scores.

[OMW2_HighAcheiver]

Oh I'm very happy about the score, I'm angry I've been thinking it was much lower for so long! 

[ORllyNao]

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@peaved_about_credit wrote:

So...... I just signed up here for monitoring and my scores are 74 points higher on myFico!  Okay? I'm (1) confused (2) angry!  Which should I believe? Ficos are true scores right?

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My true FICO scores are also higher than what Credit Karma shows, but the difference fluctuates depending on what changes on my credit reports. I like to keep an eye on both myFICO and Credit Karma. I use CK for daily alerts and keeping an eye on any changes in between myFICO updates. 

[OMW2_HighAcheiver]

Thank you for your response! I will be using both also. 

[Anonymous]

Credit check total's score seem to be fako scores because they are way off from the actual credit reports, My transunion is showing much higher then what credit check total is showing and the others have not changed. I'm thinking about ending my credit check total subscription. I'd rather pay for a site that has accurate scoring.

[Anonymous]

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@Anonymous wrote:

Credit check total's score seem to be fako scores because they are way off from the actual credit reports, My transunion is showing much higher then what credit check total is showing and the others have not changed. I'm thinking about ending my credit check total subscription. I'd rather pay for a site that has accurate scoring.

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Credit check total gives 100% LEGIT fico scores.  If you are seeing your transunion score anywhere but myfico or credit check total, you aren't seeing a real fico score.  That includes the credit tracker thing from capital one if you are using that.  There are some cards out there that do show your legit fico transunion score, same as seeing it on credit check total.

[Anonymous]

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@Anonymous wrote:

Credit check total's score seem to be fako scores because they are way off from the actual credit reports, My transunion is showing much higher then what credit check total is showing and the others have not changed. I'm thinking about ending my credit check total subscription. I'd rather pay for a site that has accurate scoring.

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Thanks for the chuckle. CCT is true FICO 8 scores. 

[Thomas_Thumb]

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@cakkd wrote:

Just checked: CK scores are 59 and 63 points higher. Besides the CO, the only negs I have are two 30-day lates between three and four years old. Utilization is 12%.

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CK's reported scores are based on the VantageScore 3.0 model. Different model = different results. Many CCs such as Discover Card  and MyFico report scores based on the Fico 8 model. EQ still reports Fico 4 per their Score Power report. All models produce different scores relative to one another even when they use the same CRA data.

The difference between Fico 4 score and  Fico 8 score can be greater than the difference between VS 3.0 and Fico 8. Don't base a model's validity on how much it may differ from "a benchmark model's score".  Each model can be useful for tracking changes in credit worthiness over time - just be consistant in tracking score by model.

I like data and compare changes in score over time using multiple models because the info is available - and free in many cases. (refer to below signature for a score model comparison snapshot).

[Revelate]

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@Anonymous wrote:

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@Anonymous wrote:

Credit check total's score seem to be fako scores because they are way off from the actual credit reports, My transunion is showing much higher then what credit check total is showing and the others have not changed. I'm thinking about ending my credit check total subscription. I'd rather pay for a site that has accurate scoring.

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(Mod Cut- Such postings do violate our TOS in the flaming arena, please refrain from posting something like this in the future. I thank you for your understanding.)

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A little more understanding and empathy on your part wouldn't hurt.

How many people understand that Transunion doesn't offer a FICO score at all to consumers?  I would suggest that other than dedicated readers of this particular board on this particular forum, and a few other places online, the answer is virtually zero.  

Likewise different font, while maybe not perfect etiquette, doesn't mean the poster is doing something nefarious.

While it's not my place to enforce the rules of the community any longer, your post fails the ideals of the forum.  Pretty certain FICO Consumer is aware that CCT is a better deal currently than their old monitoring solution, hence their offering the newer product to differentiate themselves.  Room for multiple monitoring solutions in the market place depending on what you need, but just like people commonly confuse Credit Karma provided scores with FICO ones, it's not a long walk to understand that people would confuse legit FICO scores with FAKO's... actually happens a non-trivial amount even if the CK scenario is far more prevalent.

[MzOptimistic]

My CK TU score is 88 points lower and my CK EQ score is 29 points lower than my CCT Fico scores and the reason why my TU score dropped was because my student loans were all closed in error and once they were opened back up; my CK scores never jumped back up. I use them to monitor my reports and CCT to monitor my scores. Works out perfectly for me.