Credit Karma

[Anonymous]

So, for the heck of it, I signed up for credit karma.  I know it doesnt count for much but my score for them is 700 lol. I would like to lie to myself and believe it to be accurate since Transunion only has two of my baddies left reporting, crossing my fingers for the pending removal of those last two.

[Shogun]

argghhhh..

My CK score is way off my FICO score.   CK is waaaaayyyy  lower than my FICO.

CK only takes into account the AAoA of open accounts, and only factors in monthlies for 24 months.

[Anonymous]

Lol Shogun. It would be nice if it were higher but I would rather be low balled than to get my hopes up for higher!  My Eq FICO is 691 and it is showing a baddie, paid charge off from 2008, that was already removed from transunion. Im just not sure if its worth buying the TU Fico from here since its such an old version.

[jcrsmom]

Well at least it gives you an idea of the difference.  That way if the fako goes up, chances are your fico did.

[Anonymous]

I just signed up for it so I am not sure what sort of bumps have occurred.  Im just trying to appease myself until I break down and buy my TU FICO from here lol.

[jcrsmom]

I've been on KC for awhile now.  Of course the score isn't accurate but hopefully when something updates it does on your fico too.

[Anonymous]

MY CK score is WAY off from my FICO however I like to use CK to moitor when my accounts report, any HPs, major changes, etc etc.  For me, this comes in handy

[signguy17]

I noticed that CK has changed to follow suit with Credit.com and now only gives a FAKO once a month.  My CK score was going up about a point a week...although fake it still gives you that little jolt of achievement.  But then it flatlined for several weeks and then a few days ago it said under the score that it would be refreshed ob 3/11.  I have 2 baddies supposed to drop this month if they don't have to wait for the extra 180 day after 7 year rule.  Plus I got a new CC which dropped my score by 2 points (no biggie) and I charged on it today for the first time.  So I'm hoping I get some good bounces.....haven't had any for a while. 

For me waiting is the hardest part....

[Gunnar419]

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@signguy17 wrote:

I noticed that CK has changed to follow suit with Credit.com and now only gives a FAKO once a month.

Where do you see that? I'm still getting those nice daily updates from CK. I think there'd be a loud howl if they went to a once-a-month model.

[signguy17]

I just looked on the site and it wasn't there but I have their mobile app and it says right under my score.