topic Re: Credit Karma & Citi FICO vs My Equifax and My Fico in General Credit Topics

Credit Karma & Citi FICO vs My Equifax and My Fico

IntegerIntrovert — Thu, 06 May 2021 05:46:26 GMT

Hello!

I have a random issue that I don't understand, I hope someone has had experience with this and can help.

My Equifax and MyFICO EQ score are correct and aligned. However, my credit karma recently decreased by 75 pts and my citi fico score hasn't reported in over 90 days, and is now showing "unavailible".

My Equifax and MyFICO EQ report details seem 100% accurate.

Any thoughts?

Thanks!

Re: Credit Karma & Citi FICO vs My Equifax and My Fico

AllZero — Thu, 06 May 2021 06:30:09 GMT

@IntegerIntrovert wrote:
Hello!

I have a random issue that I don't understand, I hope someone has had experience with this and can help.

My Equifax and MyFICO EQ score are correct and aligned. However, my credit karma recently decreased by 75 pts and my citi fico score hasn't reported in over 90 days, and is now showing "unavailible".

My Equifax and MyFICO EQ report details seem 100% accurate.

Any thoughts?

Thanks!

Short answer, I do not know. VantageScores can be volatile.

The majority of lenders use FICO scores for lending decisions. Thus, the members here primarily focus on FICO scores.

CreditKarma is a great resource for viewing your credit reports. I would recommend you focusing on your FICO scores and the changes there.

Re: Credit Karma & Citi FICO vs My Equifax and My Fico

Horseshoez — Thu, 06 May 2021 12:38:40 GMT

@IntegerIntrovert wrote:
Hello!

I have a random issue that I don't understand, I hope someone has had experience with this and can help.

My Equifax and MyFICO EQ score are correct and aligned. However, my credit karma recently decreased by 75 pts and my citi fico score hasn't reported in over 90 days, and is now showing "unavailible".

My Equifax and MyFICO EQ report details seem 100% accurate.

Any thoughts?

Thanks!

Keep in mind, CreditKarma, and pretty much every other site out there which doesn't charge for credit scores provides Vantage 3.0 numbers and NOT FICO numbers. Given something like 95% of lenders out there use FICO, you can literally ignore any numbers you get from any site other than Experian.