New Visitor
Posts: 1
Registered: ‎04-29-2008

How accurate is CreditKarma?

It says I'm at 741, up from 725 a few months ago. How close is that to an actual TU FICO?
Valued Contributor
Posts: 1,424
Registered: ‎07-24-2007

Re: How accurate is CreditKarma?

It's a FAKO score
New York Yankees - 2009 World Series Champions. 27... and counting.....
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: How accurate is CreditKarma?

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.
Super Contributor
Posts: 8,161
Registered: ‎03-25-2007

Re: How accurate is CreditKarma?

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!!!!

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Senior Contributor
Posts: 3,240
Registered: ‎04-03-2008

Re: How accurate is CreditKarma?


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


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
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Regular Contributor
Posts: 150
Registered: ‎11-09-2008

Re: How accurate is CreditKarma?

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

TU: 708
EQ: 708
New Member
Posts: 4
Registered: ‎01-22-2011

Re: How accurate is CreditKarma?

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.

Regular Contributor
Posts: 183
Registered: ‎07-21-2007

Re: How accurate is CreditKarma?

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.

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