topic Proof Credit Karma is Fishy? in Understanding FICO® Scoring

Proof Credit Karma is Fishy?

Anonymous — Thu, 01 May 2008 01:08:12 GMT

So my TU score has gone up by about 15 points in the last few weeks, now being at 741.

Yet my Credit Karma score, which supposedly pulls TU, has remained unchanged over the same time period. Even if it uses a different scoring system, you'd expect it to change at least a little if the underlying credit report changed enough to move the TU FICO score 15 points.

Is this proof that Credit Karma is fishy, or at least flakey and goofy?

Re: Proof Credit Karma is Fishy?

Anonymous — Thu, 01 May 2008 02:35:46 GMT

My TU score went up my credit karma went down. Yes fishy, flaky and on something. However i did a pull from Transunion and it did have pulls from them on 4 times this month. I know I have done it more, but hey just thought it would be fun to do.

Re: Proof Credit Karma is Fishy?

Anonymous — Thu, 01 May 2008 02:39:55 GMT

@Anonymous wrote:
My TU score went up my credit karma went down. Yes fishy, flaky and on something. However i did a pull from Transunion and it did have pulls from them on 4 times this month. I know I have done it more, but hey just thought it would be fun to do.

Where did you go to get your unadulterated TU report?

Re: Proof Credit Karma is Fishy?

Anonymous — Thu, 01 May 2008 03:13:38 GMT

I don't think Credit Karma is pulling TU for me. At the moment, CK seems more aligned with my EQ score.

Edited to add: Oops, I stand corrected. Just looked at my TransRisk score. 3 pts higher than CK. Which is 84 pts lower than TU FICO.

Message Edited by mjgray on 04-30-2008 08:13 PM

Re: Proof Credit Karma is Fishy?

Anonymous — Thu, 01 May 2008 04:06:39 GMT

CK is a FAKO, which means it has no correlation with FICO, by definition.

CK does pull TU, not EQ. It states on the site's main page that they pull TU.

You can get a complete TU report directly from TU for $10, or for free once a year.

Re: Proof Credit Karma is Fishy?

Anonymous — Thu, 01 May 2008 05:05:16 GMT

Transunion.com and yes I paid the fee. However it was two fold, I wanted to know when my baddies fall off this year. It looks like August, so I am hoping to see a good bump in scores.

But I also wanted to see if they actually were pulling the report. They are, but the score they give is no where close to my FICO, which let's face it is the only one that matters.

Re: Proof Credit Karma is Fishy?

Anonymous — Fri, 02 May 2008 01:23:02 GMT

Is CK a Vantage Score? And does anyone know if they are LEGIT?

Re: Proof Credit Karma is Fishy?

Anonymous — Fri, 02 May 2008 02:35:45 GMT

ilovepizza wrote:
Is CK a Vantage Score? And does anyone know if they are LEGIT?

No, it's not a Vantage score. Not sure what you mean by "legit." In what sense?

Re: Proof Credit Karma is Fishy?

Anonymous — Fri, 02 May 2008 15:03:53 GMT

@Anonymous wrote:

@Anonymous wrote:
Is CK a Vantage Score? And does anyone know if they are LEGIT?
No, it's not a Vantage score. Not sure what you mean by "legit." In what sense?

Thanks. I wanted a Vantage Score. Are they legit as in they won't do anything with your Social #. I wanted to know if they were safe? I always get worried when a website asks me for my social.

Re: Proof Credit Karma is Fishy?

Anonymous — Fri, 02 May 2008 22:57:35 GMT

Why do you want a Vantage Score? Have you found a lender that actually uses it for lending decisions?

Re: Proof Credit Karma is Fishy?

Anonymous — Sat, 03 May 2008 01:22:13 GMT

Just to compare to old scores when I used to buy Vantage scores. No benefit, just interested, but not interested enough to pay for it.

Re: Proof Credit Karma is Fishy?

Anonymous — Wed, 07 May 2008 13:48:38 GMT

Well, my CK score is 788, and my TU is soooooo nowhere close to that. I like looking at it though, it's so shiny and pretty and high! And the cute little graph climbs aaaalmost to 800.

Then its back to reality.