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Regular Contributor
alexhortdog
Posts: 123
Registered: ‎03-10-2007
0

Credit Karma?!? BAHHHH!!!

So, I'm glad I use myFICO, but it always seems people look at my TU scores.  That's unfortunate, because when I look at Credit Karma (FAKO?), I just did a score simulatior where I had on time bills for 12 months, and it DROPPED my score from a 611 to a 604....LOL

 




Starting Score: 605 (Experian); 588 (Equifax); 590 (TransUnion)
Current Score: 626 (Experian); 667 (Equifax); 670 (TransUnion)
Goal Score: 800

Valued Contributor
dodgerslv
Posts: 1,757
Registered: ‎06-16-2012
0

Re: Credit Karma?!? BAHHHH!!!


alexhortdog wrote:

So, I'm glad I use myFICO, but it always seems people look at my TU scores.  That's unfortunate, because when I look at Credit Karma (FAKO?), I just did a score simulatior where I had on time bills for 12 months, and it DROPPED my score from a 611 to a 604....LOL

 


LOL...same here. i think there score simulator has a few glitches. My score drops also when i use the pay on time bills simulator. I go down 625 to 618.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Frequent Contributor
sarkell
Posts: 345
Registered: ‎02-27-2013
0

Re: Credit Karma?!? BAHHHH!!!

So true that simulator is crazy. I don't bother meanwhile my score is umchanged 664 with new inquiries new accounts new balances haha. Better than credit sesame which my score is na for now reason. But my exp plus is 710 that would be great maybe in 6 months wloncev these new accounts settle down.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Established Member
flashflamingo
Posts: 14
Registered: ‎09-18-2012
0

Re: Credit Karma?!? BAHHHH!!!

[ Edited ]

Don't buy into Credit Karma! The only thing I use it for is tracking changes in my account, which isn't even that effective anymore because of the score card. Anyway, their scoring is way off. My Credit Karma score is 573. I went to my local credit union to get a credit card and my score was 630. It's probably even higher now because all of my collections have dropped off. Credit Karma didn't budge after two collections disappeared. 


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