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How accurate are the scores???

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Anonymous
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How accurate are the scores???

I signed up for both Credit Karma and Myfico and my scores are very different!!!  The scores on Myfico are much higher then credit Karma.   Which are accurate??

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iv
Valued Contributor

Re: How accurate are the scores???

Yup, the numeric scores will be different - because the scoring models used by each site are completely different.

 

Credit Karma reports VantageScore 3.0 scores from TU and EQ.

 

MyFICO reports FICO 8 from all three CRAs as the "main" scores, and most of the important other FICO scores as on the "additonal score versions" report.

 

Both are "accurate" for the models reported... but VantageScore isn't used much by lenders.

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
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