How accurate is credit karma?

cwwatts1202 · ‎04-04-2012

I know it isn't accurate, but for those who know your true fico, how far off is credit karma?

Anonymous · ‎04-04-2012

About 100 points less than my actual fico score.

TBC

annielorie · ‎04-04-2012

I so wish I could answer that! Right now Im waiting for email from them could not log in tiday. I also have two more weeks before I hit my 6 month mark with my first own credit card.

Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!

annielorie · ‎04-04-2012

I could only dream!!!!! To be cont. I have a 714 on Credit Karma no baddies at all cc for 5 months 300 cl perfect payment util reports between 8-17 % 2 inq will be one in jUne 2012 If I was in the upper 700s or possibly 800 I would seriously fall over

Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!

FrugalRican · ‎04-04-2012

About as accurate as me trying to guess what number between 1 and 10 you are thinking of right now.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

cwwatts1202 · ‎04-04-2012

I could log in today, but I couldn't update my score, I got an error MSG.

annielorie · ‎04-04-2012

I did too. Try again I tried three times it finally took.

Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760
Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!

Anonymous · ‎04-04-2012

@FrugalRican wrote:
About as accurate as me trying to guess what number between 1 and 10 you are thinking of right now.

7?

MarcinXP · ‎04-04-2012

My credit karma last time I checked was about 45+ points or so lower than MYFICO TU

NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300

Anonymous · ‎04-04-2012

@annielorie wrote:
I could only dream!!!!! To be cont. I have a 714 on Credit Karma no baddies at all cc for 5 months 300 cl perfect payment util reports between 8-17 % 2 inq will be one in jUne 2012 If I was in the upper 700s or possibly 800 I would seriously fall over

Well there you go, My CK is 684 and my actual fico are close to 800. I really have no idea how they figure it out. I think FR's pick a number theorem is as close as any.

TBC