@Anonymous wrote:
I know that the credit scores that they post are not the real one.
Don't rely on oversimplifactions such as real, fake, accurate, etc. VantageScores are real. However, they are not designed to replicate FICO models. Consider the relevance of a given score. To do that you need to be aware of the specific scoring model and what your creditors use. Credit Karma provides VantageScores based on TU and EQ. If you have a creditor that uses a given scoring model and CRA then it is relevant. If you do not then it is not relevant. I.e. if you have a creditor that uses a VantageScore based on TU or EQ then CK's scores can be relevant.
The same applies to any scoring model including FICO's as FICO has many more than just one scoring model used by creditors. See also the Understaing FICO Scoring subforum and its stickies. Do not just assume that pulling a FICO means that a creditor will pull the same number unless you've carefully checked to verify that the specific model and CRA are the same. You cannot use a score generated by one model to determine a score generated by a diferernt model. Different models use different algorithms that do not evalaute report data the same way. Additionally, different models can have different point ranges.
As an example, if you want to know what Quicken Loans will pull for you then the more common FICO 8's aren't going to be relevant. They'll probably use one of the FICO models commonly used by mortgage lenders.
@Anonymous wrote:
When I pulled up the Credit Karma Equifax version of my credit these accounts are still listed so you see why I am confused. If they did not delete them why does Credit Karma say they did? Does it take a day or so to reflect on the Equifax report.
No idea. Any service can potentially have issues. CK should have whatever the latest data was at the point when it performed its most recent update for you. While CK can be a handy tool to monitor your TU and EQ report data, TU and EQ are the official record keepers and creditors will go to TU and EQ, not CK, to pull your reports. As such if there are any doubts/concerns you need to go straight to the source to verify what's in your reports.
