Credit Karma vs. FICO Scores

[Bmac66]

Normally my CK score is much lower than my FICO.  Right now my CK scores are about 100 points higher than my FICO.  I recently filed BK13 so there have been a lot of removals and updates.  All collection accounts have been removed and most of my balances reduced to 0. Last week my CK scores shot up by about 150 points.  EQ and TU went from low 500's to 665.  My FICO is still sitting in the 575 range.  My experience has been CK is always lower than FICO.  Does anybody have any insight?  Do you think my FICO scores will increase to match CK?  Probably too good to be true to have mid-600 scores while in BK13, but would be nice!

[BallBounces]

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@Bmac66 wrote:

Normally my CK score is much lower than my FICO.  Right now my CK scores are about 100 points higher than my FICO.  I recently filed BK13 so there have been a lot of removals and updates.  All collection accounts have been removed and most of my balances reduced to 0. Last week my CK scores shot up by about 150 points.  EQ and TU went from low 500's to 665.  My FICO is still sitting in the 575 range.  My experience has been CK is always lower than FICO.  Does anybody have any insight?  Do you think my FICO scores will increase to match CK?  Probably too good to be true to have mid-600 scores while in BK13, but would be nice!

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Not sure what "insight" you are looking for.

I assume you know that Vantage 3.0 Scores provided by CreditKarma are unreliable, not well understood, and currently not relevant to almost all lending decisions.  There is little utility to correlate them to FICO scores, especially in your case.  They can be used for entertainment though!

[Bmac66]

I figured it was too good to be true!

[Girlzilla88]

In my experience get ready for the Fall.....FICO and CK are off of two different scorings your FICO is your Real score most go off of so I would base any decisions off of what it says and give it a few months to catch up

[Anonymous]

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@Bmac66 wrote:

Does anybody have any insight?  Do you think my FICO scores will increase to match CK?

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Both Vantage scores and Fico scores are "real" scores.  They are simply 2 different scoring models, the same way an apple is different from an orange and a Corvette is different than a Prius.  There's no insight to offer, simply that you shouldn't compare VS to Fico, the same way you shouldn't compare apples to oranges or a Corvette to a Prius.  So no, your Fico scores are not likely to increase to match your VS, as there is no correlation between the two.

[SEAlifer]

Yeah, my CK scores are like 80 points higher than my FICOs but like other ppl have said in this thread, it's not super relevant to any lending decisions. It's like knowing how much you'd weigh on Mars or something.