Credit Karma

[Anonymous]

Does anyone use this site for the TU scores?  How accurate are they?

[Imhotrodcrazy]

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@Anonymous wrote:

Does anyone use this site for the TU scores?  How accurate are they?

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I look at it about every 2-3 months just for kicks.  In my case, their score is about 20 points below my fico score and they do not report everything correctly.  I do not put much stock in what they say.  IMO, every credit report  will have something incorrect, or not showing  on the report.   It is better to check your fico score, since that is what lenders use. 

[MarineVietVet]

I don't look at the scores at all but it seems to be pretty accurate for tracking other information from my TU report

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

[geronimo2008]

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@MarineVietVet wrote:

I don't look at the scores at all but it seems to be pretty accurate for tracking other information from my TU report

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

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BINGO!

It isa grea way to see if something has been reported or has dropped off.

[Anonymous]

I just started using it though the calculator is a joke; If I make all payments on time for 24 months it says a 13pt loss. 

Credit Karma also says my score will drop when I pay off my 1000 balance on my cc next month.  I know the score is fake but you would think th ecalculator would track in the right direction.

Good thing I have MyFico to give the facts!

[MarineVietVet]

That's why they are called "simulators" or "estimators".

IMO no simulator anywhere can duplicate or anticipate real world experiences and that's why I never use one.

But that's just me.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

[rugthug57]

664 with BK coming off 1/15/14  any idea if my score will increase and about how much ?

[doctorofcredit]

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@rugthug57 wrote:

664 with BK coming off 1/15/14  any idea if my score will increase and about how much ?

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Of course your score will increase with a bankruptcy falling over. Exactly how much depends on what the rest of your report is like. 

I'd expect you to be in the low 700's at least. 

[JTH86]

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@Anonymous wrote:

I just started using it though the calculator is a joke; If I make all payments on time for 24 months it says a 13pt loss. 

Credit Karma also says my score will drop when I pay off my 1000 balance on my cc next month.  I know the score is fake but you would think th ecalculator would track in the right direction.

Good thing I have MyFico to give the facts!

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Is there something that shows what it may improve if something gets paid off on MyFICO?