Credit Karma has FAKOs and also missed some of the most important items..for examples if you have Charge Offs that have Balance on them that counts as part of your Utilization of the charge off is a credit card...Credit Karma only counts Utilization from open accounts not charge offs..that could be the reason for the big swing of your score.
NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
Starting Score (08/11/11): TU08: 643
