Credit Score

[Anonymous]

I have been checking credit karma for my credit score. I have a discharged bankruptcy December 2014. I have been able to get some credit cards and have on time payments. Every time I check credit karma the keep saying my score is going down. Sometimes as much as 50 points. I don't get it. Please any help or suggestions.

[OmarGB9]

Credit Karma's scores aren't real FICO scores. They're FAKO scores which can vary wildly from your actually scores. I'd suggest pulling your real scores from either here or CCT (Credit Check Total).

[Anonymous]

Yes, Creditkarma takes into account your UT much more than Fico actually does.  Any change will reflect in your Vantage Score.  I know everyone here uses Fico but I kind of like to keep both of them decent.  But most do vary greatly.  As long as you're doing the right thing, it will reflect in your scores. 

[Anonymous]

I like creditkarma alerts and history with accounts but the score not really true , for example they say my transunion score is 644 but my real score is 680. 

[woodsie1]

I agree with everyone else. My CK TU scores have gone down at least 4-5 points every week for the past two weeks. While my TU fico has remained stable. Check your Fico scores, those are the scores that matter

[takeshi74]

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@Anonymous wrote:
I don't get it. Please any help or suggestions.

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To determine the cause(s) of any score change you have to carefully review reports from before and after the change.

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@Anonymous wrote:
I have been able to get some credit cards and have on time payments.

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Payment History is a major factor and on time payments help but they're not the only factor that impacts score.  If you've added new accounts you've reduced your AAoA and you've incurred hard pulls.  Again, carefully review your reports before and after the change to account for all changes with a scoring impact.

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@OmarGB9 wrote:
They're FAKO scores which can vary wildly from your actually scores.

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@Anonymous wrote:

I like creditkarma alerts and history with accounts but the score not really true , for example they say my transunion score is 644 but my real score is 680. 

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Don't rely on oversimplifcations such as "real", "fake", "true", etc.  Regardless of FICO or FAKO one cannot use a score generated by one model to determine a score generated by another model.  This applies to the various FICO models as well.  One's FICO 8 isn't going to be the same as a FICO 8 BankCard, FICO 4, FICO 2, FICO NextGen, etc.

Different models use different alogrithms.  One should expect different algorithms to produce different results.  It is possible for different models to be coincidentally close or even the same in some case but concidental and causal are two entirely different things.

VantageScore 3.0 is a real, true and accurate score but you cannot use it to determine your FICO 8.  If you want to know what your score is with a given model then you need to pull that specific score.  You don't have just one score.  The score that matters is the score that a creditor will pull for you and they do not all use the same model.