My CK score has been 678 for the past year, no fluctuations at all. Meanwhile, my FICO has shown changes, and is currently 707 for TU. I only find CK useful for the free TU report every week to monitor when info is being updated.
I have a BK7 from 2008, a student loan, and 2 revolvers with perfect histories. So, CK always gives me an "F" for total accounts and a "D" for credit age (4 years). My guess is, I won't see much of a change there until those "grades" improve, and the BK falls off. At least I now know that the score is meaningless and where I actually stand, thanks to this place 
@Anonymous wrote:The Scores on Credit Karma are without a doubt inaccurate. CK has my Transunion score as 757 and Equifax 744, while my FICO score is 821, thats 64 points higher than Transunion. As one poster previously stated CM falsely lowers your score so that their advertisers (lenders) will offer you credit at a higher rate because your score is lower.
Sounds like a good conspiracy theory........who knows. They are constantly dropping things or adding things to your credit report.......may be part of the "Plan" to get biggner commissions from the lenders......
@ecxpa wrote:
@Anonymous wrote:The Scores on Credit Karma are without a doubt inaccurate. CK has my Transunion score as 757 and Equifax 744, while my FICO score is 821, thats 64 points higher than Transunion. As one poster previously stated CM falsely lowers your score so that their advertisers (lenders) will offer you credit at a higher rate because your score is lower.
Sounds like a good conspiracy theory........who knows. They are constantly dropping things or adding things to your credit report.......may be part of the "Plan" to get biggner commissions from the lenders......
The problem with conspiracy theories. No where credit karma say these were your fico scores. That's comparing Apples to oranges. They clearly state these are vantage 3.0 scores. So why would it possibly be the same as a fico score when it's not. Even fico 04 is different from fico 08. So this is kind of a mute point.
@Anonymous wrote:
Idk why This question gets asked every single day . Multiple times .
Because like it or not Credit Karma is the dominant score and report purveyor in the United States if I had to make an educated guess.
The service *is* legitimately good if one keeps it in perspective (and I'm a huge fan of CK personally and I've been on these forums and know scoring and underwriting better than a lot of people), it's well marketed, and it appears to be gaining enough money from the revenue model to continue pushing the benchmark forward.
Then they find out those scores don't match their FICO scores from a lender, either on a car or a house.
And they come here, and they get the story, then they find out that the current myFICO scores don't match said car or house.
It's a crappy situation. I know FICO consumer is aware of it, I'm hoping they do something about it frankly and I'm idealistic enough to think that they will, I just don't know time nor details.
