Understanding FICO® Scoring

[Dustink]

Credit Score:   Your Score: Change:

1. TransRisk Credit Score		667	-76
2. Auto Insurance Score		751	0
3. VantageScore		782	+23

[Dustink]

That is a crazy scoring model...It says my utilization went down 8% causing the score change.

[GregB]

I've tracked numerous examples of changes like that with the additional info that the actual TU FICO did not change at all.

The information on the accounts at CK is fine but the scores are just nonsense.

[Dustink]

I bet my TU FICO actually went up.

[geronimo2008]

I don'tnow that they are nonsense so much as they are just not FICO.   In my own case my CK TransUnion score has been steady for months but my TU FICO score recently took a serius dip when I hit certain milestones in my debt repayment program .  CK is a place to monitor cahnages in your report.  the scores are accurate I suppose but you should bever assume any correlation with FICO>

[my-own-fico]

I pull Credit Karma every so often for data, but the scoring system is nothing to write home about. I've got As across the board except for one C because I don't have a real lot of trade lines. You might get the feeling that this direction of Credit Karma is encouraged by sponsors, whose business depends on how much you spend.