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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO