CreditKarma so much lower?

[Kirmie2010]

Yes typical for it to change without seemingly any changes.

My CK and TU are about 100 points off from eachother.  (in my sig are the quizzle, ck and cs sites for FAKOs then my real scores.  Closest one is EQ about 30 points off

40% is high yeah =/   Seems they want like 14% or lower.  Seems when it moves give it a week and see where it ends up   in 2 weeks some of my scores dropped up to 15 points and then days later gained 7 to 9 and a few days again later went over the original scores.  

[Shellie]

Don't misunderstand! I'm not dressing about it. I was just curious. Promise.

[DrMac210]

I know my CK score is at least 70-80 points lower than my FICO scores.

One of the biggest issues in my case is that CK doesn't factor in closed accounts in their score.

So even though I have MULTIPLE student loan tradelines that date back 20 years, they aren't considered in CK's formula.

On myFico, my AAOA is 15+, on CK it is less than 2........

CK also seems to punish inquiries more harshly than what the fico scores do.

[Cookie2120987]

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@DrMac210 wrote:

I know my CK score is at least 70-80 points lower than my FICO scores.

One of the biggest issues in my case is that CK doesn't factor in closed accounts in their score.

So even though I have MULTIPLE student loan tradelines that date back 20 years, they aren't considered in CK's formula.

On myFico, my AAOA is 15+, on CK it is less than 2........

CK also seems to punish inquiries more harshly than what the fico scores do.

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I agree with the last part, when I applied for Walmart, amazon and discover I took 3 inquiries and only lost 1 point of MyFico, but my score went down 9 on KC