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I have read on here that as your fico scores continue to climb that eventually CK scores take a dip... But idk why.
CK's model is crap. It actually used to be pretty close to my FICO scores before they switched to Vantage. It's been consistently 60-80 points lower than my FICO scores since the switch. An inquiry fell off, and my score actually went down the other day.
I really only use CK now to monitor for changes in my report.
I always experience the same. FICOs go up, CK scores go down. Not by that much, though... usually just a few points drop on CK. My latest was when my auto loan reported... for FICO it increased scores because of credit mix, but CK knocked me down for a new account.
My CK for TU is 659 and EQ is 666. While FICO for TU is 735 and EQ is 731. Literally differences of 75 and 65 points lol.
CK is really good for viewing changes on my reports though so I check regularly for that reason alone.
@Simply827 wrote:CK's model is crap. It actually used to be pretty close to my FICO scores before they switched to Vantage. It's been consistently 60-80 points lower than my FICO scores since the switch. An inquiry fell off, and my score actually went down the other day.
I really only use CK now to monitor for changes in my report.
+1
I'm glad I'm not the only one... a couple of weeks ago I had an inquiry drop off Equifax, and my Credit Karma EQ score dropped over 40 points! My Credit Karma TU, which didn't have the inquiry that dropped, didn't change at all. There were no other changes from the previous week. So now my CK TU score is about 15 points higher than FICO, and my CK EQ is about 30 points lower than FICO.
I'm like you... I like CK for being able to monitor changes, but the scores are so far off now it's not even funny.
Yeah.. it's ridiculous. I feel bad for people who think those are their real scores. An 80 point drop. Lol. It's actually comical.