Rebuilding Your Credit

[eastexascout]

How accurate is this?  I paid some small debts down and score dropped?

[battles11]

As far as score goes my ck score is 619 and here it is 609 so for me  ck is fairly accurate.

[llecs]

Mine is usually within 50-60 points compared to myFICO on the same day.

[ninjamike81]

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

[tattooedhusker]

Not quite comparable to FICO:

CK: 638

MyFICO: 670

[Mike_B03]

Credit Karma: 633

TransUnion pulled for mortgage loan: 552

[Mondavi]

CK 637

TU Fico here 702.

Only thing CK is good for is letting you know if something negative was put on your report or to check and see if something was removed.

[awdsmama]

My CK is about 25 lower than on myFICO

[Give_Me_Credit_Please]

Same her, I just got a Walmart card and one of my other card balance is lower and my core dropped from 626 to 583 on ck!!

[StartingOver10]

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.