How accurate is Credit Karma

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How accurate is Credit Karma

Postby neptunejcw » Fri Mar 01, 2013 4:25 pm

I'm curious, my score from shows me at 675. When I refreshed my Credit Karma report it went from 635 to 590...WOW. I see it reports transunion I'm just wondering why the drop from Credit Karma & also should I really trust the score at the Credit Karma site. This month I had my 5/3rd credit card pop up on my report, my went from 666 to 675. But the C.Karma score decreased & there's almost a 100 point difference

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Postby Sevenfeet » Fri Mar 01, 2013 5:17 pm

When I first joined Credit Karma, it's score was 25 points lower than the Transunion score I got from getting my credit report from them. Since the Transunion score is the one that matters, it can be said that Credit Karma's scoring system is a tad off.

Compare that to Credit Sesame which pulls Experian. In that case, you actually get the Experian score every month. My score when I got my Experian credit report was 760. So was Credit Sesame.

Alas, I always thought Credit Karma had more useful information than Credit Sesame. But you have to take their numbers (like any FAKO scores) with a grain of salt.
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Postby bisbicos » Fri Mar 01, 2013 5:26 pm

my fico has me at 733, however Credit Karma have me at 765. I always thought that credit karma was going to be a higher score until we did my cousin. Ge was 603 on credit karma snd 640 on my fico
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Postby MemberSince99 » Sat Mar 02, 2013 7:12 am

Not very. Not worth really worrying about.

It's a good free way to keep an eye on things and get free monitoring on TU. Other than that, it's worth what you pay for it.

In my case, my CK score has always been lower than my FICO, sometimes by as much as 70 points, currently by about 25. It's not worth caring about as no lender on earth uses your CK score or cares what it is anyway.

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Postby Calipso » Sat Mar 02, 2013 2:30 pm

It's a FAKO score.

Not worth concering yourself with really. I use credit karma just to see if anything new pops up on my TU.
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Postby DavidNY » Sat Mar 02, 2013 7:21 pm

It's great to see the info on your TU report. The score doesn't mean much.

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Postby Daniel » Mon Mar 04, 2013 11:19 am

Calipso wrote:It's a FAKO score.

Not worth concering yourself with really. I use credit karma just to see if anything new pops up on my TU.

Correct, it is not a FICO 08 score, CK is just a consumer version of the TransRisk Account Management score. The site also provides a Vantage score though, and this number should only subject to bureau specific information differences, and a number of different lenders reportedly use this score depending on the product you are applying for.

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