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Regular Contributor
Posts: 119
Registered: ‎08-24-2011
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credit karma

I just checked my score on CK...   How correct is that score??   and is that score only from transunion??

Moderator
Posts: 17,297
Registered: ‎07-14-2009
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Re: credit karma


focused1914 wrote:

I just checked my score on CK...   How correct is that score??   and is that score only from transunion??



You can get 2 different scores from CK- a TransRisk score which to my knowledge is not used by any lender and a VantageScore which is actually used by a few lenders.

 

So the TransRisk score is useless and the VS has some merit.

 

And all the information at CK is taken from your TU report.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Regular Contributor
Posts: 119
Registered: ‎08-24-2011
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Re: credit karma

oh ok.... not to bad i quess..   its saying 660 and myfica is 637.     got some work to do

Regular Contributor
Posts: 179
Registered: ‎07-12-2011
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Re: credit karma

Credit Karma is actually good if you want to catch a glimpse of your credit report, it doesn't go into too much detail like the power report from here but it does give you a raw idea on how your credit report is looking, and you can pull a new report everyday for free, not bad at all.

 

The credit score however is a different story, my TU Fico has moved 40 points in the last 3 months but the Transrisk score of credit karma has stayed stuck at 605 for the same period.

 

What's funny is that for most people the Fako score is usually higher but for me its always lower on all 3 reports.

Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: credit karma

 


Denny33142 wrote:
 

What's funny is that for most people the Fako score is usually higher but for me its always lower on all 3 reports.


That hasn't been the case for me. My Plus FAKOs have been lower than my FICOs, but that's a good thing.:smileywink:

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Frequent Contributor
Posts: 291
Registered: ‎07-29-2011
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Re: credit karma

The TransRisk score from CK is more on par with the TU fico I've gotten from lenders (in the poor category) and the the VantageScore is closer to the TU that I get from here (in the average category).  



EQ: 662 | TU: 682 | EX Plus: 764
SL baddies fall off between Jan '13 - Oct '14
Frequent Contributor
Posts: 423
Registered: ‎09-12-2009
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Re: credit karma

My 'myFICO' TU score and my Credit Karma score have always been exactly the same.

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: credit karma

My FICO has usually been higher by 40-50 points off the TransRisk FAKO they offer when compared the same day. And usually my Vantage FAKO is higher by 30-40 when compared to TU FICO the same day, but lately my Vantage is actually LOWER than my TU FICO when compared the same time, despite the 501-990 range compared to FICO's 300-850.

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