topic Re: CreditKarma in General Credit Topics

CreditKarma

LoveGoodCredit — Mon, 03 Sep 2012 03:27:04 GMT

This is killing me! CreditKarma went up 8 pts but..... I dont know what could have changed in transunion, I had some disputes but I dont know which one may have come off. CreditKarma dosent give you enough information to tell exactly what happened!

Re: CreditKarma

rckstrscott — Mon, 03 Sep 2012 14:27:34 GMT

@LoveGoodCredit wrote:
This is killing me! CreditKarma went up 8 pts but..... I dont know what could have changed in transunion, I had some disputes but I dont know which one may have come off. CreditKarma dosent give you enough information to tell exactly what happened!

I don't think it needs to be said, but...

CreditKarma is a FAKO and has no bearing on FICO, so it is quite possible nothing has changed on your report...

-scott

Re: CreditKarma

DaveSignal — Mon, 03 Sep 2012 14:40:49 GMT

I look at my CreditKarma score too, but just for fun. Sometimes I am tempted to keep certain otherwise useless revolving tradelines open for the sole purpose of helping my Credit Karma AAoA. I always end up just doing what is best for my finances and my FICO score, however. Nobody else uses the CreditKarma score and it is calculated very differently than FICO.

Re: CreditKarma

llecs — Mon, 03 Sep 2012 15:08:21 GMT

I recently saw a 50pt increase on TransRisk and a 8 pt decrease on Vantage via CreditKarma on the same day. Pulled FICO and it was no change. Go figure.

Re: CreditKarma

LoveGoodCredit — Mon, 03 Sep 2012 15:30:05 GMT

I know, just something positive is nice for a change after seeing nothing change for over a month on my reports. I know creditKarma is not a real score I only use it to get updates on transunion since you can look at it and updated it every day. Its nice to look for changes. I noticed one less derogatory remark and that must have been what brought up my score.

Re: CreditKarma

LoveGoodCredit — Mon, 03 Sep 2012 15:34:12 GMT

My creditkarma faco is WAY lower than my actual transunion. CreditKarma is nice just to look for activity while your working on your credt.