12-18-2012 10:22 AM
mine and my wifes are exactly 30 points off. LOWER on credit karma of walmarts monthly fico. IE.... CK on same day as WM fico pull shows CK 609 WM fico 639
12-23-2012 02:59 PM - edited 12-23-2012 03:00 PM
It's a completely different formula. Naturally we don't have the details of any of the scoring formulas, but you can see the differences. For example, FICO scoring uses AAoA (Average Age of Accounts) and Credit Karma uses Average Age of OPEN accounts. That is a scoring difference. There are other differences too. Someone more knowledgeable than I am can jump in here...but as stated above, use it to track info from your report but ignore the score generated by CK.
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