How accurate is CreditKarma?

Anonymous · ‎12-03-2008

It says I'm at 741, up from 725 a few months ago. How close is that to an actual TU FICO?

cobra19 · ‎12-03-2008

It's a FAKO score

New York Yankees - 2009 World Series Champions. 27... and counting.....

llecs · ‎12-03-2008

Ignore CK's scores. Different formula and same as a TC TU FAKO. There's no comparison to a FICO. CK can go up and FICO down and vice-versa.

MidnightVoice · ‎12-03-2008

My CK score (based on the TUrisk score) has been perfectly logical for the last year - it has steadily increased from 730 to 780, as my util has stayed the same and all last years accounts have aged and I have had no new accounts and no inqus.

Unfortunately, logical as this is, it bears no relationship whatsoever to what has happened to any of my real scores!!!!

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

MattH · ‎12-04-2008

I've found that the simple estimator on this site here:

http://www.myfico.com/FICOCreditScoreEstimator/Estimator.aspx

comes about as close as any of the FAKO scores, and it's totally free.

TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it

Anonymous · ‎12-05-2008

It's good enough for monitoring for me, it's always about 20 point lower than my FICO.

Anonymous · ‎01-22-2011

Interestingly enough, my score at creditkarma is about 50 points lower than the score at myfico... And unfortunately, the official tally by a lender mirrored the creditkarma score almost exactly... So I dunno.

geronimo2008 · ‎01-22-2011

I use creditkatma to find out if certain info has been reported to TU. Heck it's free. It is perfectly accurate if you really want the TU Risk or Vantage score but it does not report FICO scores.