is credit karma legit?

[bsal]

Is credit karma legit cause my scores are way off compared to fico

[Gunnar419]

CK is "legit" in the sense of providing real credit report data.

Their scores ae "legit," only in the sense of being Vantage III, which is a model used a few places in the real world. But the scores are not FICOs, which means that they won't match the majority of real world credit pulls.

[Anonymous]

Before I knew about MYFICO I signed up at Credit Karma and almost immedialty starting getting emails from this Lexington Law Credit repair place. I tried there service and I was not happy nor did it work I have no idea of the affiliation however I researched some more and ran across MYFICO and this is the only place you can get your true Fico score and I have signed up for the credit monitoring which I think is great. In my opinon this is the only place you can honestly get the assistance you need to either clean your credit or increase your score off of the boards and get your real scores. Best of luck to you..

[thom02099]

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@Anonymous wrote:

Before I knew about MYFICO I signed up at Credit Karma and almost immedialty starting getting emails from this Lexington Law Credit repair place. I tried there service and I was not happy nor did it work I have no idea of the affiliation however I researched some more and ran across MYFICO and this is the only place you can get your true Fico score and I have signed up for the credit monitoring which I think is great. In my opinon this is the only place you can honestly get the assistance you need to either clean your credit or increase your score off of the boards and get your real scores. Best of luck to you..

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Not entirely true.  There are other sources for true FICO scores, such as various credit cards that now offer a free FICO score, ie,  Discover, and Citi.  One can get all three scores from here, and also see variations on that score/report.

[SouthJamaica]

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@bsal wrote:
Is credit karma legit cause my scores are way off compared to fico

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My experience with it has been that they are pretty dang close

[masscredit]

My account info that they report is accurate but the scores aren't. 

[Gunnar419]

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@SouthJamaica wrote:

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@bsal wrote:
Is credit karma legit cause my scores are way off compared to fico

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My experience with it has been that they are pretty dang close

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Mine, too. I've never had CK depart widely from my real FICOS, while Credit Sesame occasionally produced such howlers that I finally quit their monitoring service.

This is a big YMMV, though. You hear LOTS of reports about CK scores being way off.

[bsal]

Well then I'm starting to question this site myfico because I have score monitor and how accurate it is. On myfico it says my equifax is 613 but on Ck it says my score is 532 and with my pentagon federal credit union it's saying my score is 568 now that's a big difference so I don't know what else to do and what score is my true score. I'm at a complete lost I thought this site was your true score I'm at a lost

[thom02099]

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@bsal wrote:
Well then I'm starting to question this site myfico because I have score monitor and how accurate it is. On myfico it says my equifax is 613 but on Ck it says my score is 532 and with my pentagon federal credit union it's saying my score is 568 now that's a big difference so I don't know what else to do and what score is my true score. I'm at a complete lost I thought this site was your true score I'm at a lost

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At the top of the page on this sub-forum, there are some stickies -- topics that explain some of the nuances of credit scoring.

Check out:

FICO vs FAKO

The Many Flavors of FICO

Difference In Scores

[NRB525]

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@bsal wrote:
Well then I'm starting to question this site myfico because I have score monitor and how accurate it is. On myfico it says my equifax is 613 but on Ck it says my score is 532 and with my pentagon federal credit union it's saying my score is 568 now that's a big difference so I don't know what else to do and what score is my true score. I'm at a complete lost I thought this site was your true score I'm at a lost

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EQ 613. Go with it.

The other two are other scoring models. They can be used in limited cases to see directional changes, but the score number is not FICO 8. 

Discover TU is accurate, Chase Slate is accurate, some others.

Capital One is another "not FICO 8" score