For those using Credit Karma and wondering how accurate it is...

[lmfields84]

I pulled my husband's score on MyFICO this morning, and...

Credit Karma= 581

FICO= 639

That's 58 points... quite a difference!  Just FYI

[Gunnar419]

You hear about results like that -- even 100 points higher or lower. Personally, my CK has always been within 5 to 10 points of my real TU FICO and also that close to my MyFico EQ score. I know CK's score is still invalid because it's a model no lender ever uses anywhere, but for me it's still a good guide.

My CS EX score on the other hand has taken some weird leaps and dives that make me not trust it even as a guidelline. YMMV.

[ajsgurl0805]

My husband's:

CK=676

Myfico EQ=762

Mine:

CK=658

Myfico EQ=662

[lmfields84]

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@ajsgurl0805 wrote:

My husband's:

CK=676

Myfico EQ=762

Mine:

CK=658

Myfico EQ=662

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CK is a TU product, so I am not surprised if it is different from MyFICO which is an EQ product- but wow they are far off still, for your husband.

[meehan22]

MyFico TU- 702

CreditKarma TU - 613

Barclay TU- 630

[lmfields84]

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@meehan22 wrote:

MyFico TU- 702

CreditKarma TU - 613

Barclay TU- 630

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Wow, yours are all over the map!  Glad I don't put my faith in FAKO's! 

[meehan22]

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@lmfields84 wrote:

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@meehan22 wrote:

MyFico TU- 702

CreditKarma TU - 613

Barclay TU- 630

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Wow, yours are all over the map!  Glad I don't put my faith in FAKO's! 

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Guessing CK puts a huge weight on public records. I have 8 judgements from 07 and 08 and a tax lien from 07. All paid. No collections and no charge offs (6 years has came and went).  But their scoring model must hit it hard with those. I be willing to bet once they begin to fall off here shortly my FAKO/FICO might get a little bit closer. 

[0REDSOX7]

My CK is 686 but my FICO is 581... So, I do not have the positive difference... :-(

[Jess21]

credit scoring is so crazy!!! i just checked my CK is it went down 31 POINTS!!! When everywhere my TU has gone up!  Barclays has me a 686, Walmart 680, and CK 609 today!!!!  it better be wrong, however CK has my vantage score at 736 go figure

[myesha87]

Doest CK info come from Transunion?