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Huge difference between Credit Karma and Experian score

Member

Huge difference between Credit Karma and Experian score

Perhaps a more enlightened person can shed light on this discrepency: My Credit Karma TU and Eq scores have been holding steady at 605, while my Fico8 on Exprian's site holds at 683! This seems like a huge gap. I'm currently at 95% util 15,000 total limit (will be down to 45% next month), no bads, 2 inquiries, 18 year oldest reporting...

What gives? Any thoughts would be appreciated

Thanks

6 REPLIES
New Contributor

Re: Huge difference between Credit Karma and Experian score

Do yourself a favor and always ignore CK scores (AKA FAKO Scores)...they are useless and worthless...you will hear other people say the same thing. My FICO8 scores are mid 700's and CK still says high 600's....I really dont care....no lender or anyone else pulls CK scores to make a decision.

 

So in other words, you are doing just fine. Smiley Happy

Current FICO 8 Scores
EQ 748
TU 735
EX 731
Message 2 of 7
Established Contributor

Re: Huge difference between Credit Karma and Experian score

Hi Ruby, welcome to the forums! 

 

Credit Karma does not provide FICO scores, they are of a different scoring model cslled Vantage 3.   Vantage and FICO differ greatly in how they weigh and respond to different aspects of your credit profile.   The majority of lenders use FICO - so while credit karma is great for monitoring and reviewing your reports,  their scores should be ignored.

 

You can get all three of your FICO scores by signing up for the Experian CreditWorks trial - which is a premium version of the free Experian service you are currently using to get your Experian FICO -  just be sure to cancel before the trial ends.  

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting Score:   09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current Score:  12/08/2018: EX 769 ✦ EQ 765 ✦ TU 761
Goal Score:   800's


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Message 3 of 7
Super Contributor

Re: Huge difference between Credit Karma and Experian score

OP, as the others have touched on, you're comparing apples to oranges... one is a FICO score where the other 2 are VS 3.0 scores.  This would be on par with questioning why a Corvette is faster than a Prius, just to give you a point of reference.  FICO scores are meaningful, where VS 3.0 scores are not since they are rarely used in lender decisions.

Message 4 of 7
New Member

Re: Huge difference between Credit Karma and Experian score

As others mentioned CK uses vantage while ex uses fico you can not compare. You mentioned that you have a credit card with 95% utilization. Thats pretty bad,  pay that up and you will see your score shoot up!

 

Good luck! 

Message 5 of 7
Member

Re: Huge difference between Credit Karma and Experian score

Thank you all for your input!

This site should be required reading

Message 6 of 7
Super Contributor

Re: Huge difference between Credit Karma and Experian score

That’s why there are already sticky threads at the top of the Understanding FICO Scoring page, with topics such as “The many flavors of FICO”.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Only one app would be interesting now, Platinum 100k, but Gold + Delta Reserve + SPG Luxury + Hilton Aspire covers a lot of ground. Useful cards: Hyatt and Diners and Altitude Reserve. Ch United maybe, on a lark, but not many other apps are necessary. Chase Trifecta is useful, but I'm not sure how long.
Message 7 of 7