Re: 700's Club- For Credit Karma anyways!!

Anonymous · ‎08-22-2014

So, my Vantage Score is finally over 700... it's actually at 715. I know these are Fakos and not FICOs but it's still nice to see my building efforts paying off. The last time I checked my TU FICO was 638 and now all my accounts are reporting. I'm thinking about repulling to see as this was a month ago. Anyways, how close or off is the VS compared to the Fico?

eric19k · ‎08-22-2014

it might be 100 points

TU Scores:
May 2014- 466
July 2014- 537
September 2014- 602
Goal Scores- 720 by March 2014

Anonymous · ‎08-22-2014

My vantage score is 805 on TU and 700 on Karma. Not even sure what my real score is. Might change my credit monitoring service from TU to Equifax.

TRC_WA · ‎08-22-2014

634 CK
658 FICO

Will have to check EQ's FAKO to see if it is remotely close to my 693 EQ FICO.

Not that I really care...

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎08-22-2014

It seems it's either fairly close or way off. My Credit Sesame is 604 but my actual EX Fico is 622. It was around 700 but I had two medical collection added last month that have both now been PIF for a PFD. Should be removed soon. That should give me a nice jump on EX and EQ as they were only reported on those 2. TU is clean! Yayyy!

cluelessoregonguy · ‎08-22-2014

All my FAKOs seem to be low by 20 to 30 points. I was showing 640s/660s a couple months ago and apped for stuff...got 697, 692 back for TU and EX in a couple denial letters.

Anonymous · ‎08-23-2014

That makes me feel better! Lol. You can just never go by those scores as they are off... usually lower though. Also, I just noticed that Credit Karma has a statement on the site under your score saying that's the model most lenders use. Did anyone else see this?

Jeff532003 · ‎08-24-2014

My TU FAKO score is 580 on CK and cap one credit monitoring thing and I have no clue what the actual FICO is. My EQ FAKO is 628 on credit sesame and credit. com. My EQ fico I'd actually 611. It's really a crap shoot. Your best bet with the FICOs is more for trajectory rather than the actual score and for seeing changes in what's reporting. If your trending up your FICO is most likely trending up as well.

Jeff532003 · ‎08-24-2014

I wish this had an edit button, best bet with the FAKO's, not FICO's as my phone auto corrected to, is for monitoring trajectory...

700's Club- For Credit Karma anyways!!

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700's Club- For Credit Karma anyways!!