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Started By
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How far off is credit karma from your fico?
Posted on 6/4/16 at 10:59 am
Posted on 6/4/16 at 10:59 am
Credit karma has my transunion at 737 and equifax at 730. Chase slate has fico at 764 and discover has fico at 786
7
Posted on 6/4/16 at 12:21 pm to LSU6262
When I was buying my house earlier in the year, Credit Karma was about 30 points low... They were saying 730ish and I was actually 762.
Posted on 6/4/16 at 1:40 pm to prostyleoffensetime
Creditkarma has been 10-70 points off, from my customers that come to dealership (showing me on phone), so take it as an estimate, not exact
Posted on 6/4/16 at 2:56 pm to CoachRobertson
You have different scores for different types of credit. It also isn't always updated to the day
If you want accurate credit scores, you have to buy from FICO corporation website MyFico and find specific Auto/Mortgage model to buy
MyFico is the only 100% accurate with all different FICO scores on the market.
If you want accurate credit scores, you have to buy from FICO corporation website MyFico and find specific Auto/Mortgage model to buy
MyFico is the only 100% accurate with all different FICO scores on the market.
This post was edited on 6/4/16 at 2:58 pm
Posted on 6/4/16 at 3:33 pm to LSU6262
Seems like credit karma factors in current CC balance as % credit usage even though said balance will be paid in full monthly. Like someone else said, it's an estimate.
Posted on 6/4/16 at 3:39 pm to Kankles
Credit Karma has me at 822. Is that good?
Posted on 6/4/16 at 4:08 pm to Kankles
quote:
Seems like credit karma factors in reported statement CC balance as % credit usage even though said balance will be paid in full monthly
Credit scores use your reported balance from CC companies. Most companies report once a month when your statement is issued.
Paying off in full doesn't mean much for your credit utilization if you let large balances ring up on your statement
Posted on 6/4/16 at 7:24 pm to LSU6262
Credit Karma has me at 811.
Posted on 6/5/16 at 2:53 am to LSUWhoDat
Why the down vote for my 822? Pay your damn bills on time. All you have to do. Haters!!
Posted on 6/5/16 at 7:45 am to LSU6262
My credit karma account and spg card show my score at the same level.
Posted on 6/5/16 at 8:17 am to LSU6262
This post was edited on 11/8/20 at 12:04 pm
Posted on 6/5/16 at 8:28 am to LSU6262
Credit Karma just plays a song verse when I log in. It plays, "You can have whateva you like." Pretty awesome app.
Posted on 6/5/16 at 8:52 am to LSUWhoDat
quote:
Why the down vote for my 822?
Did you really think you were going to slide that not so subtle, subtle brag in without people commenting?
Posted on 6/5/16 at 9:25 am to LSU6262
I get free FICO scores from Chase, Citigroup, and BankofAmerica. Theres a 30pt variation between the High and Low of the three. All three derive their scores using the Fico 8 model.
Posted on 6/5/16 at 10:44 am to lsu xman
quote:
All three derive their scores using the Fico 8 model.
Most CC statement scores use this which is not used for Auto/Mortgage
The variation likely comes from what time of month they report and which credit bureau specific model they use
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