topic Re: Credit Karma Score in General Credit Topics

Credit Karma Score

mipema — Thu, 24 Jul 2008 11:49:36 GMT

Just checked Credit Karma Score right after checking the WaMu PFico score, and there is an 8 point increase from 716 to 724. Second time my score has jumped in two months. First time on June 7th from 712 to 716, and again today from 716 to 724. WooHoo!!!

Re: Credit Karma Score

Anonymous — Thu, 24 Jul 2008 12:03:07 GMT

that credit karma score is wack , my score raise 4 points with CC B go 0%-90%

Re: Credit Karma Score

Anonymous — Thu, 24 Jul 2008 12:33:39 GMT

I wouldn't pay attention to the score itself much but the changes in the score will give you an indication of the direction your "real" scores are going.

Re: Credit Karma Score

Anonymous — Thu, 24 Jul 2008 12:45:01 GMT

The CK score is just another FAKO. In the past 2 weeks my CK score has jumped to 719, while my TU FICO hasn't moved from 692.

Re: Credit Karma Score

Anonymous — Thu, 24 Jul 2008 13:38:42 GMT

My Fico EX ent down one pt probably from a Verizon pull (they said they wouldn't do hard pull but did any way.)

My Fico scores stay the same no matter what except for pt for inquiry. They will go down if you don't use a card or two.

Re: Credit Karma Score

demi — Thu, 24 Jul 2008 15:40:19 GMT

Mine has been at 712 for about 6 weeks, since the first day I registered on the site. Of course, my ficos are all stagnant as well. But, I was wondering, since the example on the site is also 712 - at least now I know people do have other numbers !

Re: Credit Karma Score

Anonymous — Thu, 24 Jul 2008 17:35:19 GMT

CreditKarma is a FAKO, like TrueCredit and the others.

Mine was nearly 100 points lower than my actual FICO. For myself, and some others I've talked with, CreditKarma is TU score.

I've had FAKOs decrease when my FICO increased, and have had them increase when my FICO decreased, and have had them go in the same direction as my FICO.

You can't ever tell with FAKOs. No set pattern or prediction.

Re: Credit Karma Score

demi — Thu, 24 Jul 2008 22:30:32 GMT

You can't ever tell with FAKOs. No set pattern or prediction.

And, how is this different from FICO's ?

Re: Credit Karma Score

mipema — Thu, 14 Aug 2008 19:03:22 GMT

mipema wrote:
Just checked Credit Karma Score right after checking the WaMu PFico score, and there is an 8 point increase from 716 to 724. Second time my score has jumped in two months. First time on June 7th from 712 to 716, and again today from 716 to 724. WooHoo!!!

Another bump in score from 724 to 727 today 8/14. FAKO is on the way up - TU FICO however, remains stagnant at 703. I really want to make the 720+ club on all three so I can finally buy my house.

TU 703, EQ 699, EX 705 as of 7/27/08

Re: Credit Karma Score

marty56 — Thu, 14 Aug 2008 19:10:06 GMT

lakers81 wrote:
I wouldn't pay attention to the score itself much but the changes in the score will give you an indication of the direction your "real" scores are going.

Welcome to the forum.

I dont know about Credit Karma scores but TC FAKO scores are useless in even predicting if your FICO score changed. As someone who got burned twice by assuming there was a change in my FICO score when the FAKO score changed.

IMHO I would not bet my $15 on getting a FICO score here based on a chnage in any FAKO scores.

Re: Credit Karma Score

haulingthescoreup — Thu, 14 Aug 2008 19:17:57 GMT

EQ FICO just went up 8 points.
EQ TC-FAKO just went down 49.
Same dates, same reports.

Message Edited by haulingthescoreup on 08-14-2008 12:17 PM

Re: Credit Karma Score

fused — Thu, 14 Aug 2008 19:34:21 GMT

In the last week, my FICO TU went from 790 to 756, CK stayed the same, 894

Re: Credit Karma Score

Anonymous — Fri, 15 Aug 2008 16:10:24 GMT

My Credit Karma score has held steady for months at 788, which

I forget where, but I saw a legit finance site recently that recommended CK as a great place to see your free credit score. I know it was somewhere you had to log in to post, or I would have posted NO NO NO!

Re: Credit Karma Score

Bklyn395 — Fri, 15 Aug 2008 17:44:59 GMT

Prior to this thread I've never heard of CK, so I signed up to check it out. The score is about 11pts lower than my lowest FICO, so I'm not a fan. I did do the age/score trend and as luck would have it I'm about to age out of the 25-34 category, so I need to get my scores to 739 by January in order to stay trendy!

Re: Credit Karma Score

Anonymous — Sun, 17 Aug 2008 23:56:50 GMT

C Karma is FREE. Don't complain.

Re: Credit Karma Score

score_building — Tue, 19 Aug 2008 02:20:27 GMT

this afternoon my ck score was 691. i just pulled myfico tu tonight: 686. for the past several months every time myfico went up so did my ck, when my myfico went down so too my ck- by very close amounts. since i currently have score watch, i've been really surprised how close credit karma scores follow my eq fico upward and downward trends. must be one those rare eg.'s where there seems be a pretty close correlation between the ck fako and myfico scores and trends. this has been the case since i discovered the ck faco here at the forums and signed up several months ago. i wonder if the relative accuracy between the ck fako and tu myfico will hold up over time since it seems most people have less predictive accuracy between the two

Re: Credit Karma Score

Anonymous — Sat, 23 Aug 2008 04:22:12 GMT

I've noticed that my CK score goes down 1 point per inq.