https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2048645#M70832 <P>&nbsp; &nbsp;It is probably because your fako score is being effected negatively because you have one less account. CreditKarma scoring models want you to have 21 tradelines for an optimal account with is very different that the fico models. It takes up enough time and effort trying to figure out the fico model. Don't waste time and energy trying to figure out the CK fako model. It is almost completely irrelevant to your fico score.</P> Wed, 10 Apr 2013 12:38:37 GMT dddewdrop 2013-04-10T12:38:37Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2048625#M70828 An old first premier CO aged off TU. I checked my CK And my FAKO dropped 9 pts. Wed, 10 Apr 2013 12:28:17 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2048625#M70828 Anonymous 2013-04-10T12:28:17Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2048645#M70832 <P>&nbsp; &nbsp;It is probably because your fako score is being effected negatively because you have one less account. CreditKarma scoring models want you to have 21 tradelines for an optimal account with is very different that the fico models. It takes up enough time and effort trying to figure out the fico model. Don't waste time and energy trying to figure out the CK fako model. It is almost completely irrelevant to your fico score.</P> Wed, 10 Apr 2013 12:38:37 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2048645#M70832 dddewdrop 2013-04-10T12:38:37Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2049597#M70835 Thank you. Hopefully when I get my real FICO it will have went up. Wed, 10 Apr 2013 17:12:06 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Old-charge-off/m-p/2049597#M70835 Anonymous 2013-04-10T17:12:06Z