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My general rule of FAKOS is +/- 200 points. YMMV of course.
offy by 40 points not very accurate.
Credit Karma is really inaccurate. It lists my score as being in the 640s, which is absolutely ridiculous.
CreditKarma provides a completely accurate Transrisk score and Vantage score. These are competing score models that are not meant to be a predictor of FICO score.
@Walt_K wrote:CreditKarma provides a completely accurate Transrisk score and Vantage score. These are competing score models that are not meant to be a predictor of FICO score.
Transrisk is an educational purpose score, no lender uses this and as such it's not relevant to any sort of underwriting approval. TBH, I find it more for entertainment value than anything else, one month I paid down my credit card balances and my score dropped. Good times!
Vantage might have some value as there are a few lenders which use it occasionally today and it might gain wider adoption in the future; however, it was developed by the CRA's jointly to be a direct competitor to FICO's products, unlike any of the educational scores provided by any of the bureaus.
@Anonymous wrote:
I have found CK to b the most informative of any on the melt. And after all it is free people
Also scores have been very close to the banks. No complaints here! Who else can we go to and get all CK gives us.
If your CK score is close to your FICO score it is just a coincidence.
Not sure what you mean by where else can you go and get all CK gives you. Quizzle will give you a free look at your EX report along with a every 6 months. And I think CreditSesame gives you a free look at your EX report every month, but I can't remember how CreditSesame works for sure. So not a daily puller for TU, but still some additional free access to your reports.