Score

[Hubcapjw]

I have the usaa protect my id service through my account with usaa.  The score I received from there was 706 from experian. i have credit karma and their score is 641.  Credit sesame is at 637. I'm trying to see which of my scores are close to my true score. I have 2 cap 1 accounts 10months and 7 months. Also an express account for 5 months. No lates on any. 35% utilalization. And one judgement from 2007 that I'm not paying because the original company messed that account up. Any responses will be greatly appreciated.

jeff

[user5387]

There are many different FICO and FAKO scoring models, and they all use different algorithms and thus give different results.

I think the sources you mention are providing FAKO scores.

I'd suggest picking a FICO score from a specific source, like this site, and sticking with it.