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CreditKarma

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Warrior2000
Regular Contributor

CreditKarma

How accurate is this site? I just ran my credit through them and it says 630. I ran it 6/1/14 when I applied for a home loan and it said 653 TU....what's up with that?
Message 1 of 7
6 REPLIES 6
juniornj23
Established Contributor

Re: CreditKarma

Is a education side not a true score is a fako the only true score is fico score

You should take off 30 to 40 ppoints from credit karma
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 2 of 7
Warrior2000
Regular Contributor

Re: CreditKarma

Ok cool
Message 3 of 7
Shogun
Moderator Emeritus

Re: CreditKarma

CreditKarma has been over 100 points off from what my lenders pulled on my FICO scores.  I don't put any weight into their scores, but I do use them to help monitor my TU report.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 7
Warrior2000
Regular Contributor

Re: CreditKarma

Thanks
Message 5 of 7
TRC_WA
Senior Contributor

Re: CreditKarma


@Shogun wrote:

CreditKarma has been over 100 points off from what my lenders pulled on my FICO scores.  I don't put any weight into their scores, but I do use them to help monitor my TU report.


Same here... CK is good for monitoring your TU report.  Scores are worthless...

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 6 of 7
user5387
Valued Contributor

Re: CreditKarma


@Warrior2000 wrote:
How accurate is this site? I just ran my credit through them and it says 630. I ran it 6/1/14 when I applied for a home loan and it said 653 TU....what's up with that?

If you are looking for a mortgage, I'd find a way to keep tabs on your FICO 04 scores.

 

Message 7 of 7
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