Credit Karma, Credit Sesame, Quizzle??? Confused

[catters87]

Hello, I'm new here, thanks for reading... I'm in the process of rebuilding my credit, I'm turning 27, and I made some mistakes at 18, and also ended up with some medical collections. The charge offs have long been paid for and fall off this year. I have some student loans, one that has payments made to it, the others deferred as I am a student. My electricity bill reports to the credit agency, I have a small personal bank loan that I pay on time, my mom added me as an authorized user on one of her cards, and back in october I decided to go for a secured capital one card, and much to my surprise was approved without a security deposit, I was given a small 200 limit, but within 6 months was given an increase to 500, that I didnt even have to ask for. Now I've been approved for Discover It for Students, and this is where my question comes in...
I've signed up for Credit Karma, Credit Sesame, and Quizzle, because I know each draws from a different reporting agency. And they got me all sorts of confused!

Credit Karma is reporting a 525 I've had it for about eight months or so now, the score has not budged a single point in either direction in eight months, through on time payments and all, and it's simulator told me if I made all my payments on time for 2 years that my score would go down.

Credit Sesame is currently reporting a 611, I just recently signed up for them because credit karma was annoying me.

Quizzle is reporting a 679...

I realize there's a variance between credit reporting agencies, but that's a HUGE gap. I'm not quite sure where I stand at this point or what to do with it? It's confusing, so if anyone has some advice?

[myjourney]

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@catters87 wrote:
Hello, I'm new here, thanks for reading... I'm in the process of rebuilding my credit, I'm turning 27, and I made some mistakes at 18, and also ended up with some medical collections. The charge offs have long been paid for and fall off this year. I have some student loans, one that has payments made to it, the others deferred as I am a student. My electricity bill reports to the credit agency, I have a small personal bank loan that I pay on time, my mom added me as an authorized user on one of her cards, and back in october I decided to go for a secured capital one card, and much to my surprise was approved without a security deposit, I was given a small 200 limit, but within 6 months was given an increase to 500, that I didnt even have to ask for. Now I've been approved for Discover It for Students, and this is where my question comes in...
I've signed up for Credit Karma, Credit Sesame, and Quizzle, because I know each draws from a different reporting agency. And they got me all sorts of confused!

Credit Karma is reporting a 525 I've had it for about eight months or so now, the score has not budged a single point in either direction in eight months, through on time payments and all, and it's simulator told me if I made all my payments on time for 2 years that my score would go down.

Credit Sesame is currently reporting a 611, I just recently signed up for them because credit karma was annoying me.

Quizzle is reporting a 679...

I realize there's a variance between credit reporting agencies, but that's a HUGE gap. I'm not quite sure where I stand at this point or what to do with it? It's confusing, so if anyone has some advice?

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Welcome to the forum 

First thing to remember all 3 of them are not real scores so only use them as a tool to monitor your CR's

It's just marketing to attract consumers becasue the score part is worthless so don't let it sway you one way or the other

Want to know where you are score wise purchase scores here   

[eric19k]

I would say all 3 of them not accurate. 

Try identity guard. You can sign up for trial and then cancel it. It is more accurate and you will get all 3 scores. 

[myjourney]

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@eric19k wrote:

I would say all 3 of them not accurate. 

Try identity guard. You can sign up for trial and then cancel it. It is more accurate and you will get all 3 scores. 

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Hi eric,

Also Fako scores 

Want real scores buy from here or if you have one of these cards that supply free Fico scores>..FNBO Barclay Discover Walmart/GE

[eric19k]

Hi. 

I already bought.

Anyways I promised myself not to check my score till October. 

[eric19k]

may I ask a question. 

I have one tradeline that is $0 for over 2 years but stil reporting. It is charge account. Does it have any positive inpact or nott?

[myjourney]

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@eric19k wrote:

may I ask a question. 

I have one tradeline that is $0 for over 2 years but stil reporting. It is charge account. Does it have any positive inpact or nott?

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Of course you can ask at any time we're here to help

Yes as long as it has no negative history yes this is a positive TL and will report as positive for up to 10 years 

[eric19k]

Thank you very much

[myjourney]

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@eric19k wrote:

Thank you very much

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Your welcome 

[SunriseEarth]

As has been mentioned, all three are FAKOs and are mainly useful for monitoring what's on your CRs.  Credit Karma uses TU, Credit Sesame uses EX, and Quizzle uses EQ.   I use CK most often, since it updates most often.  I grew tired of CS and just deleted them.  Quizzle would be great if they only updated more than every 6 months.

If you're concerned about scoring differences, I would get CRs directly from the CRAs and see if any info differs from report to report.