topic Re: CreditKarma TU Score in General Credit Topics

CreditKarma TU Score

Anonymous — Mon, 14 May 2012 08:22:58 GMT

I'm able to update the score everyday, but it seems to be lower then the normal score...I updated it just a few minutes ago and I guess one of my new cards reported so the score went up to 592 what would that make my real score roughly does anyone know or might have a rough idea.

Thank you in advance for the input.

Re: CreditKarma TU Score

improvingmycredit — Mon, 14 May 2012 08:53:03 GMT

@Anonymous wrote:
I'm able to update the score everyday, but it seems to be lower then the normal score...I updated it just a few minutes ago and I guess one of my new cards reported so the score went up to 592 what would that make my real score roughly does anyone know or might have a rough idea.

Thank you in advance for the input.

Honestly... there is no telling. Those scores rarely actually match your real FICO and don't necessarily coincide with what brings a score up or down. Best just to get your TU FICO here even though it is a older version.

There is a mother's day special of 20% off right now till midnight 5/14/12

code: momday2012fs

Hope this helps!

Re: CreditKarma TU Score

Anonymous — Mon, 14 May 2012 08:59:43 GMT

Tu fico here is kind of worthless too.

Re: CreditKarma TU Score

corymcd88 — Mon, 14 May 2012 10:54:57 GMT

@Anonymous wrote:
I'm able to update the score everyday, but it seems to be lower then the normal score...I updated it just a few minutes ago and I guess one of my new cards reported so the score went up to 592 what would that make my real score roughly does anyone know or might have a rough idea.

Thank you in advance for the input.

My TU FICO and my credit Karma score was allmost the same one was FICO 709 and CK 714.

Re: CreditKarma TU Score

Anonymous — Mon, 14 May 2012 12:49:16 GMT

@Anonymous wrote:
Tu fico here is kind of worthless too.

where can i get a reliable TU FICO?

Re: CreditKarma TU Score

CreditCrusader — Mon, 14 May 2012 12:52:32 GMT

@Anonymous wrote:
@Anonymous wrote:
Tu fico here is kind of worthless too.
where can i get a reliable TU FICO?

The Wal-Mart TU FICO score matched both GECB and my CU's scores exactly. It seems to be the preferred score for many lenders. Many of us have that Wal-Mart CC for the TU alone and sit on the edge of our chairs waiting for the score to update each month

Re: CreditKarma TU Score

Anonymous — Mon, 14 May 2012 12:54:59 GMT

Haha. Well I dont want any more hards for a while. Can I just b uy my score from them?

Re: CreditKarma TU Score

CreditCrusader — Mon, 14 May 2012 12:56:30 GMT

@Anonymous wrote:
Haha. Well I dont want any more hards for a while. Can I just b uy my score from them?

Good question...does anyone else know where we can buy the TU score version that Wal-Mart gives to card holders?

Re: CreditKarma TU Score

Revelate — Mon, 14 May 2012 13:14:28 GMT

@CreditCrusader wrote:
@Anonymous wrote:
Haha. Well I dont want any more hards for a while. Can I just b uy my score from them?
Good question...does anyone else know where we can buy the TU score version that Wal-Mart gives to card holders?

You can't =/.

If you really want the score, get the card. I don't understand why everyone is so terrified of inquiries, the only time you really need to worry about them is in the six to twelve months leading up to a big ticket item. This forum really does do people a disservice on that count, nearly as much as FICO and the CRA's do with the opacity of FICO scores.

Cory: unfortunately any resemblance of the CK scores with your real ones is purely coincidental.

Re: CreditKarma TU Score

Anonymous — Mon, 14 May 2012 13:23:36 GMT

@Revelate wrote:
@CreditCrusader wrote:
@Anonymous wrote:
Haha. Well I dont want any more hards for a while. Can I just b uy my score from them?
Good question...does anyone else know where we can buy the TU score version that Wal-Mart gives to card holders?
You can't =/.

If you really want the score, get the card. I don't understand why everyone is so terrified of inquiries, the only time you really need to worry about them is in the six to twelve months leading up to a big ticket item. This forum really does do people a disservice on that count, nearly as much as FICO and the CRA's do with the opacity of FICO scores.

Cory: unfortunately any resemblance of the CK scores with your real ones is purely coincidental.

I plan on getting small car loan at the end beginning of August. Im not sure if all of these dings hurt in regards to the interest rate

Re: CreditKarma TU Score

Revelate — Mon, 14 May 2012 13:27:55 GMT

@Anonymous wrote:
@Revelate wrote:
@CreditCrusader wrote:
@Anonymous wrote:
Haha. Well I dont want any more hards for a while. Can I just b uy my score from them?
Good question...does anyone else know where we can buy the TU score version that Wal-Mart gives to card holders?
You can't =/.

If you really want the score, get the card. I don't understand why everyone is so terrified of inquiries, the only time you really need to worry about them is in the six to twelve months leading up to a big ticket item. This forum really does do people a disservice on that count, nearly as much as FICO and the CRA's do with the opacity of FICO scores.

Cory: unfortunately any resemblance of the CK scores with your real ones is purely coincidental.
I plan on getting small car loan at the end beginning of August. Im not sure if all of these dings hurt in regards to the interest rate

Yar, so get the car first, then go open up the card if you want access to the score. It's pretty immaterial now anyway, as knowing your usual FICO means, well, not much, when it comes to auto lending assuming they pull the Auto-Enhanced industry option.

Re: CreditKarma TU Score

Anonymous — Mon, 14 May 2012 13:32:08 GMT

Im opening an NFCU account this morning, getting the CC in Late july and probably an auto loan from them in mid August. Do they most likely use that method of credit scoring?

Re: CreditKarma TU Score

Revelate — Tue, 15 May 2012 01:00:22 GMT

@Anonymous wrote:
Im opening an NFCU account this morning, getting the CC in Late july and probably an auto loan from them in mid August. Do they most likely use that method of credit scoring?

For the CC no, for the auto loan perhaps... CU's don't always, though NFCU is I believe the largest of all so if any CU does, it stands to reason they would most likely.

It's their choice regardless and there's nothing you can do about it honestly. ~~Also, NFCU doesn't pull TU at all so knowing that score is even more irrelevant at the moment .~~ Edit: was wrong about this last part.

Re: CreditKarma TU Score

oracles — Mon, 14 May 2012 16:06:34 GMT

@Revelate wrote:
@Anonymous wrote:
Im opening an NFCU account this morning, getting the CC in Late july and probably an auto loan from them in mid August. Do they most likely use that method of credit scoring?
For the CC no, for the auto loan perhaps... CU's don't always, though NFCU is I believe the largest of all so if any CU does, it stands to reason they would most likely.

It's their choice regardless and there's nothing you can do about it honestly. Also, NFCU doesn't pull TU at all so knowing that score is even more irrelevant at the moment .

This is actually not true, they pull TU for my friend on all of his request. Memebership, LOC, cash rewards card and also Platinum card.

Also the TU fico that you get from walmart is not a fico many lenders are using currently. Walmart itself does not use the TU fico it gives out which is called tu 08 or tu 8, i forget. Many lenders actually use TU 04 and some still use TU98 which you can obtain from here. YMMV

Re: CreditKarma TU Score

improvingmycredit — Mon, 14 May 2012 17:42:45 GMT

Hey Everyone!
Just an FYI- when I recently requested my CLI- they didn't approve me for my requested amount but approved me for a lessor amount. A few days later I got my FICO score from them along with a letter stating I got the highest amount available via automated system. Also sent my FICO which directly matched my Walmart 08 FICO. Could be coincidence but I don't think so. Nothing had changed from the report to the request at all. Maybe they are using their own score they give out now.

Re: CreditKarma TU Score

Revelate — Tue, 15 May 2012 01:01:27 GMT

@oracles wrote:
This is actually not true, they pull TU for my friend on all of his request. Memebership, LOC, cash rewards card and also Platinum card.

Learn something new every day, I had thought they were EQ only, thank you for the clarification.

Re: CreditKarma TU Score

mtrsprt — Tue, 15 May 2012 03:50:24 GMT

My CK score always sits right around 45-55 points below my actual TU FICO....... FWIW