100 point difference in FAKO vs FICO

[Anonymous]

When we filed 1/20, I had credit monitoring from usaa. My score was 494. After filing, USAA cut me off from the credit monitoring. Bummer too, it was cheap. I have been using credit karma, which I understand is a FAKO score but there my scores are TU 660 and Eq 662! Imagine my disappointment when I tried CCT and my scores are about 100 points lower. Can anyone explain such a huge difference? I know they will be different but that's a huge discrepancy.

[0REDSOX7]

Credit Karma uses the Vantage Score model which is not the same as the FICO model.

[Anonymous]

It's actually kinda humorous. My FICO score has steadily increased as my bankruptcy is farther behind us. The FAKO scores are decreasing. Where I had about 100 point difference with FAKO being over 700, now they are under my FICO scores. Don't worry about the scores, worry about the accuracy of your report. If you keep moving forward and progressing, the scores will progress with you.