Understanding FICO® Scoring

[Drefrombk]

Which CB does Creditkarma.com get their score from?

[MidnightVoice]

Real FAKO from TU

Way innacurate!  Max is 950 or something

[marty56]

The name Creditkarma scares me.  It like you wake up on realize that you brand new 800 credit score is going down the tubes since you paid $45 on your payment of $54 and its 11:59:59pm on the due date.

[Meebs]

I don't know how Creditkarma.com calculates their scores, but they did change their scoring range in the last year to be in line with the proper ranges for FICO scores.  My Creditkarma.com score was only one point higher than my Equifax score, as retrieved from myFico.com.  I don't want to vouch for them entirely, but maybe they're not as far off as they used to be.

Meebs

[Typogrammer]

While they've recently changed the scoring range to be in-line with FICO scores, it's still a whacked-up TU FAKO. CK has me at almost 60 points over my TU FICO. At times it's been the opposite.

[ByrdMan]

CK uses the same scoring system as TC, which is that stupid TU transrisk score, I believe. For them to state that range of 300-850 is not a good thing for them. It is reserved for FICO scoring.

[jjmcc323]

i think they base it on tu report my score mirrors my tu score right now it is 3 points lower then my fico tu score

[specultr]

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[ezover]

((Does Creditkarma actually pull credit reports from all 3, just TU, or none when scoring credit? I wonder if it can be used for bumpage. ))

what is bumpage and how dose it work?

[specultr]

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