Jump to content

Credit Karma


fiveyearplan66
 Share

The last post in this topic was posted 2748 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts


  • Replies 61
  • Created
  • Last Reply

Top Posters In This Topic

TU is the only score on credit Karma that is true to real fico score the rest is just made up numbers. I have check numerous times ,TU yes! the others they must pull out of a hat.lol

Credit Karma is a Vantage 3.0 score for both TU and EQ, not a Fico 08. Your Vantage 3.0 score may or may not be close to your Fico 08 score for any given CRA. Right now for me there's a 2 point difference between TU Vantage 3.0 and TU Fico 08. A month ago it was an 80+ point difference.
Link to comment
Share on other sites

Even Credit Karma's recommendations based on their scores don't always make sense. For example, CK currently suggests that I apply for a Discover It card to take advantage of double cash back for the first year. However, CK says that my approval odds are "Poor." Their "average credit score for approval of this card" is 684. According to CK, my TU score is 764 and my EQ score is 778. (As opposed to my actual FICO-08 scores, which are 799 and 806, respectively.) So, why does CK say that I have "Poor" odds of getting a Discover It?

Link to comment
Share on other sites

Even Credit Karma's recommendations based on their scores don't always make sense. For example, CK currently suggests that I apply for a Discover It card to take advantage of double cash back for the first year. However, CK says that my approval odds are "Poor." Their "average credit score for approval of this card" is 684. According to CK, my TU score is 764 and my EQ score is 778. (As opposed to my actual FICO-08 scores, which are 799 and 806, respectively.) So, why does CK say that I have "Poor" odds of getting a Discover It?

 

Inquiries?

Link to comment
Share on other sites

 

Even Credit Karma's recommendations based on their scores don't always make sense. For example, CK currently suggests that I apply for a Discover It card to take advantage of double cash back for the first year. However, CK says that my approval odds are "Poor." Their "average credit score for approval of this card" is 684. According to CK, my TU score is 764 and my EQ score is 778. (As opposed to my actual FICO-08 scores, which are 799 and 806, respectively.) So, why does CK say that I have "Poor" odds of getting a Discover It?

 

Inquiries?

 

2 on everything. I don't know what they base approval odds on but it must be more than score and inquiries. And, why do they recommend a card if they think the odds of getting it are very low?

Link to comment
Share on other sites

TU is the only score on credit Karma that is true to real fico score the rest is just made up numbers. I have check numerous times ,TU yes! the others they must pull out of a hat.lol

 

If by "true to", you mean "20-30 points off from", then I agree!

Link to comment
Share on other sites

The last post in this topic was posted 2748 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share





  • Member Statistics

    • Total Members
      185291
    • Most Online
      2046

    Newest Member
    BREAURHODES0624
    Joined
×
×
  • Create New...

Important Information

Guidelines