Is Credit karma a good resource for credit score ?

[666 ReVeNGe 666]

FICO stands for fair Isaac corporation, and the 3 reporting agencies are Transunion, Equifax, and Experian. FICO scores come from the information reported to those agencies, which is where the score comes from, but FICO itself isn't a reporting agency. There are several different models of FICO, so it just depends on the agency and if you're applying for something, which model they use.

Then there are "FAKO" scores that aren't official scores, but a ballpark, rather. I looked up which agency capital one uses for their report and I see that's also Transunion.

This is a good read to explain more: The many flavors of FICO:__Editions, versions, and... - myFICO® Forums

So is Credit Karma basically the most trustworthy one for me

 

[Lithe]

So is Credit Karma basically the most trustworthy one for me

CK will give you a ballpark estimate. I get my scores from the bureaus themselves, because they use different models which is why the scores vary. They aren't necessarily fake, but different models used by different lenders, for different purposes. MyFico is where I'd buy them from if not requesting them directly from Equifax, Transunion or Experian directly.

 

[666 ReVeNGe 666]

CK will give you a ballpark estimate. I get my scores from the bureaus themselves, because they use different models which is why the scores vary. They aren't necessarily fake, but different models used by different lenders, for different purposes. MyFico is where I'd buy them from if not requesting them directly from Equifax, Transunion or Experian directly.

Thanks bro

I'm not trying pay for mine though lol

I'm being cheap bruh

 

[Lithe]

Thanks bro

I'm not trying pay for mine though lol

I'm being cheap bruh

Haha I'm actually a brehette, but you're welcome. Credit karma is free and a good source to use if you want that ballpark estimate then!

 

[YoungFlyGentleman]

nikkas dont even know about that churning life

Free trips from transferring them UR or MR points to avios

nikka i been on 5 roundtrip flights last year and paid less than 100 dollars combined

 

[Mr210]

I'm thinking about signing up for credit karma heard there is usually 30 point difference

 

[March Madness]

CreditKarma scores are fake lol ... They're not real FICO scores.


CK uses Vanguard3.0 to generate scores. NO bank uses Vanguard for lending.


They're FAKO scores. Discover, Barclay and AMEX offer real FICO scoring.

 

[beenz]

yes, because it's free and it uses the scores from transunion and equifax. I was using it in the months prior to getting my mortgage, and when I went to apply for a mortgage, the scores were basically the EXACT same as what credit karma had.

 

[a murda]

CreditKarma scores are fake lol ... They're not real FICO scores.


CK uses Vanguard3.0 to generate scores. NO bank uses Vanguard for lending.


They're FAKO scores. Discover, Barclay and AMEX offer real FICO scoring.

 

[Hawaiian Punch]

CreditKarma scores are fake lol ... They're not real FICO scores.


CK uses Vanguard3.0 to generate scores. NO bank uses Vanguard for lending.


They're FAKO scores. Discover, Barclay and AMEX offer real FICO scoring.

yes, because it's free and it uses the scores from transunion and equifax. I was using it in the months prior to getting my mortgage, and when I went to apply for a mortgage, the scores were basically the EXACT same as what credit karma had.

Let's see, believe the nikka who used the work FAKO or believe the nikka who got a mortgage

 

[Freedman]

760 but I got like 100k in Hospital bills that's eventually gonna go in collection and fukk my shyt up

 

[GoGetMyDamnBelt_]

760 but I got like 100k in Hospital bills that's eventually gonna go in collection and fukk my shyt up

My shyt dropped 90 points because 3 collections hit me with medical bills on my credit report was originally 661 now I'm 570 now I'm trying to settle with the collections to get these things removed.

 

[GoGetMyDamnBelt_]

I'm partnered with American Airline Credit Union and Navy Federal Credit Union. When I sign on to my AA online banking site, on the corner of the screen it shows my Transunion score. It updates weekly or when I click the "update" option. And Navy Federal sends me a monthly letter with my Equifax and Experian scores.
Then there's my DISCOVER, Captial One and another non-brand name credit card that tells me my FICO.

I like Credit Karma though, I use it mainly to monitor and see what needs fixing on my credit report.

 

[↓R↑LYB]

Credit Karma isn't your real credit score. They're collectively called FAKO scores (any credit score other than FICO). The only score that matters is your FICO score. That's what pretty much every lending institution uses when they run your credit.

myfico.com will give you your FICO credit score for Transunion and Equifax. You'll have to go to Experian.com to get your Experian FICO score.

Here is the Difference Between Your FICO and FAKO Credit Score

 

[Donald J Trump]

Says 745 on my karma, buts it prolly really 725


not bad for a 24 year old