12-03-2008 12:20 PM
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!!!!
12-04-2008 08:42 PM
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.
01-22-2011 10:31 AM
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.
01-22-2011 12:10 PM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.