credit karma down 39pts, but fico up 5? why?

[Dalanar]

My guess is that Credit Karma bases the score on its own set of requirements.  It even go further tracking things that Fico doesn't. 

[Anonymous]

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@Dalanar wrote:

My guess is that Credit Karma bases the score on its own set of requirements.  It even go further tracking things that Fico doesn't. 

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I'm pretty sure they use the Transunion TransRisk score. Same one that Capital One uses for their free FAKO.

[MarineVietVet]

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@Anonymous wrote:

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@Dalanar wrote:

My guess is that Credit Karma bases the score on its own set of requirements.  It even go further tracking things that Fico doesn't. 

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I'm pretty sure they use the Transunion TransRisk score. Same one that Capital One uses for their free FAKO.

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Actually CK uses the TU New Account model.

[takeshi74]

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@Anonymous wrote:

I'm pretty sure

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When did "I'm pretty sure" come to mean "I'm not sure but I'm going to state it as if I am sure"?  It's definitely not unique to this site or anything.  Guess I'm just feeling old and nostalgic for the days when "I'm pretty sure" actually meant "I'm pretty sure".  Are people defining the phrase based on the Anthony Crispino character from Saturday Night Live?

Kids these days...   Get off my lawn! 

The old Credit Karma site design (which is still what shows up for me) clearly states this:

TransUnion® New Account Score

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@Anonymous wrote:

Same one that Capital One uses for their free FAKO.

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Also TransUnion New Account:

http://www.capitalone.com/credit-cards/benefits/credit-tracker/

Your Credit Tracker score is calculated based on the TransUnion New Account Model.

You are correct that they are the same though.