Is it weird for Credit Karma's scores be lower than FICO?

[Tikistrong]

New here!  So, I just got a new personal loan through Lending Club.  Not sure if that was the best option but, I came here after instead of before.  Lol.  I was sure it would be denied because CK was showing a score of 609.  But, when I received the credit score disclosure from Lending Club it showed a Transunion score of 711.  Everything I read said that CK is typically too high so, I was surprised.  I have now spent many many hours reading these forums and I'm looking forward to being more credit savvy in the future.  

[rmduhon]

I've had my CK scores be higher and lower than my Fico scores, my husband's were the same as well. Currently CK has my Tu lower than my Fico, and my EQ higher. You never can tell simply because Vantage scores use a different formula than Fico. 

[Horseshoez]

Between my Chapter 13 discharge and the bankruptcy falling off my reports, the TU and EQ scores shown on CreditKarma (Vantage 3.0) were always 50-75 points higher than my FICO 8 scores; once the bankruptcy fell off, even though my Vantage scores rose nicely, my FICO scores rose as much as 135 points, and suddenly it was my FICO scores which were higher.

[Tikistrong]

So, I guess it's not that weird.  Who knew!  I wish I would have checked here first.  Thanks for the replys!

[Horseshoez]

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@Tikistrong wrote:

So, I guess it's not that weird.  Who knew!  I wish I would have checked here first.  Thanks for the replys!

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By the way, you can safely ignore the CreditKarma scores as they are Vantage 3.0 scores which are almost entirely ignored by fiancial institutions.

[Brian_Earl_Spilner]

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@rmduhon wrote:

I've had my CK scores be higher and lower than my Fico scores, my husband's were the same as well. Currently CK has my Tu lower than my Fico, and my EQ higher. You never can tell simply because Vantage scores use a different formula than Fico. 

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Basically this. Unfortunately, there's no interest on this forum to figure out Vantagescore because not many lenders use it for credit decisions so how things are weighted are unknown. 

[BuckyB]

My average Vantage Score 4.0 is fully 80 points lower than my average FICO 9 score.

[expatCanuck]

In my experience, Vantage is more sensitive to reporting balances than FICO.  If I have balances reporting, even tho' my FICO scores may be 820+, Vantage scores might not even be above 800.

Fortunately, as folks have noted above, very few lenders care.  So I don't either.

[Zoostation1]

@expatCanuckI've even noticed that VS 3.0 gave me a slight bump when I had brief periods of all zero while switching a reporting card.  Gained 1 point on each on EQ and TU VS 3.0 scores while I was getting hammered on FICO 8 and FICO 9.  I no longer do AZEO so all zero won't be an factor for me anymore, but was interesting nonetheless.

[Junejer]

My TU Vantage likes me to be at AZE3 and have a higher balance. When I go to AZE2, I typically lose 13 - 18 points. It's quite comical to see my FICO go up and my FAKO go down by the exact same action.