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i know credit karma is a fako score but does anyone know what bureau they go threw? its seems to be pretty accurate with my equifax and transunion scores that i got from here.
TU
It says TU but my credit karma score dropped 10 points to 540 however I just purchased my TU score last week on here and it's 608. It's all so confusing to me! lol
@Anonymous wrote:It says TU but my credit karma score dropped 10 points to 540 however I just purchased my TU score last week on here and it's 608. It's all so confusing to me! lol
That's because the two scores you get from CK are NOT TU FICO scores. They are TransRisk scores and VantageScores and cannot be compared to FICO scores in any fashion.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@Anonymous wrote:It says TU but my credit karma score dropped 10 points to 540 however I just purchased my TU score last week on here and it's 608. It's all so confusing to me! lol
It's infinitely less confusing if you totally absolutely ignore FAKO scores from credit karumba's site.
Remember that your Transunion from here is somewhat of a FAKO score. The TU score you get here is a older scoring model that is used but not all that often anymore. You will find out that some people's TU98 score they get here varies when a lender pulls there TU score. Usually the lender uses the TU04 model. In my case the difference was only a couple of points. My TU04 from lender was a couple points higher than the TU98 I got here. I have read through these forums that there has been greater differences.
With all that being said in my case my Karma score was only a point off my TU04. So, all in all my scores where all pretty close but that is not always the case.
The only way I know is from a lender. I recently had all my scores pulled from a lender when applying for a mortgage.
I've decided to stop logging into CK. For one, I don't want my file to split. For two, I hate what they tell me because I can't see my report to go along with their bad advice.
I really like True Credit for it's ability to pull your TU report every day if you want to that is part of their monthly charge.
@Booner72 wrote:I've decided to stop logging into CK. For one, I don't want my file to split. For two, I hate what they tell me because I can't see my report to go along with their bad advice.
I really like True Credit for it's ability to pull your TU report every day if you want to that is part of their monthly charge.
What's splitting!?