How Accurate is the Credit Karma Score?

[Anonymous]

There are many threads that speak about it, but could not find a straight forward answer.

My TU score from ANNUAL CREDIT REPORT was...

675 as of 9/30/2014

I then checked my score again after registering with Credit Karma,....

 My TU score was: 708 as of 10/02/2014

This score was "Powered by TU" so i am not sure how accurate it actually is?

[Revelate]

Not accurate at all as no lender uses it for underwriting to our knowledge.  The Vantage Score 2.0 they have there is the only score worth paying attention to at Credit Karma, and that one's comparitively minor in the field of scores.

[gen-specific]

My Barclayscard non-fako Transunion score is 718, my Credit Karma supposedly non-fako Transunion score is 760

don't know

[Anonymous]

For me Its never been more than 15 to 20 points off from the actuall transunion score  . The thing I like about creditkarma is that it updates every week . 

[masscredit]

KC shows me at 675 while scores from Walmart and Barclay are 662.  I find that the score isn't accurate but the rest of the account info is.

[onepointatatime]

My CreditKarma score is 637 and my myfico TU is 680.  Until quite recently, the gap was wider with CK at 620 and myfico TU at 694

[MarineVietVet]

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@gen-specific wrote:

My Barclayscard non-fako Transunion score is 718, my Credit Karma supposedly non-fako Transunion score is 760

don't know

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The TU score you get at CK is called a TransUnion® New Account Score.

It is not a TU FICO score and is IMO useless.

[Ellifino]

Just as another datapoint, I pull myfico scores from here on all three bureaus monthly, and my fico scores are all north of 700.  I have no baddies, six months of perfect payment history on my revolvers, and a ton of student loans / auto loans with perfect payment histories.  I do have a ton of inquiries on my TU report--like 9--but 6 of them were from auto shopping back in April.  CreditKarma has my score at 601 and blames my inquiries and my short average account age (5 years, 1 month).

Whatever.  I like that CK updates every week, even though I think they're insane.

[Anonymous]

I have found they are not up to date with your current payments by several months and the score is much lower than your actual fico score by 50-70 points.  The best site I have found is myfico.  I opened 3 credit cards recently and the scores for all 3 credit card companies pulled were right on the money for my fico scores exactly!  I love my fico as they are very up to date and accurate.  My credit with my fico is in the 'good' category and rated 'poor' with credit karma. 

[uswala]

My current CK score is 737 whereas as per Discover my TU FICO is 784, so off by 50 points and thats lots.