Credit Karma overall credit grade = C

[Anonymous]

So this is peculiar: CK says my overall credit grade is C, yet the component grades ars as follows:

Credit Card Utilization = A

Percent of On-Time Payments = A

 Average Age of Open Credit Lines = C

 Total Accounts = A

 Hard Credit Inquiries = B

 Derogatroy Marks = A

How does that possibly come out to an overall grade of C?

[llecs]

FAKO is as FAKO does. It probably take your score and compares it to an average of their FAKO. I think the grades are based off TransRisk as opposed to VantageScore because the grades were there with TransRisk before they introduced VantageScore.

[GregB]

It is a complete waste of time, and likely misleading, to look at the scores from CK. My CK Credit Score is A but my real FICO is slightly below the median, which should mean a C.

The CK VantageScore has a tiny, tiny amount of usefullness. Unless you really know the details, it is useless for most people.