My scores according to Credit Karma and MyFico are running in opposite directions

[Anonymous]

I'm not sure I understand all the factors involved, but according to MyFico, my TU and EXPN scores have been making steady strides upward. My Credit Karma scores have been plummeting. I've lost 50 points on each CR there in 3 months. I'm sure glad they are not a real score, or it would appear my credit is in trouble, if I took it from them. Nothing I can do in their score simulator seems to make much difference. I'm reporting 3% utilization there. They have me in the 630s. My real scores are in my signature.

[Anonymous]

There are some companies that use the VS. I would still focus and follow advice on building true fico scores and not be too concerned

I had a bogus recent collection removed from my reports, CK score dipped while Fico soared. Currently I have almost a 100 point variance on Eq. between CK and Fico 8. Also when I play with the simulator on CK, if I pay down util to 2% - I will lose 30 points - how could that be possible? Every file is different, the monster variance for me is CK does not include closed accounts in AAoA.

Fico is hard enough to figure out beyond: pay your bills on time, have a lot of credit but dont use most of it (or at least dont show you use most of it) and only apply for what you need.

Adding all these secondary scores just adds another level of confusion. CK is great for weekly updates on what is in your report but not a great source for scores.

Congrats on all your progress!

[Anonymous]

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@Anonymous wrote:

Also when I play with the simulator on CK, if I pay down util to 2% - I will lose 30 points - how could that be possible? 

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I was bored the other day and was messing around with the credit simulator on Credit Karma, and I noticed that if I raised my credit card untilization ratio from <2% (where it is right now) to about 30% my score shot up. There was a sweet spot between about 28 and 31% that did that. At 27 or 32% the score went down.

Obviously, there's a glitch in there somewhere.And even if I did believe the simulator, I wouldn't carry that kind of debt (or increase my mothly spending) just for the extra points.

[Anonymous]

Well, I understand they are using Vantage score. I sure wish they'd score according to the way most of the rest of the world works. Seems kind of pointless if they're not using regular ficos. I guess I won't consider them anything other than a tool to monitor changes.

[NRB525]

In the headline identifying this section of the site, there is a big, full size Registered Trademark after the word FICO. That is the reason CK has a "score" for free

Your conclusions are correct, CK can be used to monitor actual items added to your credit file. FICO scores have limited sources.

[Anonymous]

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@NRB525 wrote:

In the headline identifying this section of the site, there is a big, full size Registered Trademark after the word FICO. That is the reason CK has a "score" for free

Your conclusions are correct, CK can be used to monitor actual items added to your credit file. FICO scores have limited sources.

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Hehehe.....I get it. Thanks!