How accurate is Credit Karma : r/personalfinance - Reddit
2022年10月30日 · The score you see in Credit Karma is basically just a guideline for you as a consumer. When you apply for a loan, the lender will pull all of your "raw" data from the credit rating agencies it works with, and then it will run its own algorithms to determine if …
Credit Karma- yes or no, and why : r/personalfinance - Reddit
2018年3月12日 · The credit karma score is not a FICO score, it is an alternative algorithim called a VANTAGE score. The FICO score and the VANTAGE score are pretty close for most people. The FICO score tends to reward people with a higher score for having a long credit history. Where as the VANTAGE 3.0 score weighs higher your more recent history
Credit Karma: Legit or Scam? : r/CRedit - Reddit
2023年5月11日 · Credit Karma will give you your credit report and a score that nobody uses. Right now I have some high utilization due to a car repair I needed. My credit karma score dropped by 55 points, but my Experian FICO dropped by 5 points.
Guide for ITIN Users: How to check your credit score/How to
2023年10月5日 · Credit Karma's marketing makes them the most accepted way to check a credit score; yet, they use one called VantageScore 3.0 for now, instead of a FICO Score 8 version. The latter score (FICO Score 8), is one that most lenders will use to determine loan elegibility. So it is important to check this one mostly.
How accurate is the credit score given on credit karma?
2022年7月20日 · Some credit card issuers provide a free monthly FICO 8 score from one rating agency. Essentially, it seems to be the ‘gold standard’ score in most situations. Equifax, is one of the three major credit rating agencies (or CRA, sometimes called bureaus instead). Experian and Transunion are the others.
Does checking your credit score really hurt it? : r ... - Reddit
The credit score is a big equation to decide your credit worthiness. The things that make your credit score go down are things that have a proven track record of credit delinquencies (such as late payments, maxing out credit cards, etc). Just like these foreshadow credit delinquencies and/or charge offs, so do a lot of credit inquiries.
Is Credit Karma useless?? : r/CreditScore - Reddit
Credit karma is a BS Con App. They try to convince the user to apply for certain cards like Discover AMEX and other cards telling you that getting these cards will bring up your credit score. That’s pure bullshit. Don’t fall for their lies. I’m deleting my account with these con artists tonight.
What's up with credit karma? : r/personalfinance - Reddit
2023年10月29日 · The Credit Score that Credit Karma and other "Free credit score" apps use. It isn't the same scores the vast majority of lenders use which is FICO. Its calculated in a different way and gives a different result.
How big is the difference between Credit Karma and your real …
2022年10月22日 · There is no such thing as your "real" [only] credit score, as everyone possesses 40+ credit scores, likely far more if you account for all the internal scoring models out there. The score you get from Credit Karma is a "real" score, as it's from a scoring model (VantageScore 3.0) and is generated by feeding your report data through that model.
Is Credit Karma legitimate? : r/personalfinance - Reddit
Credit Karma is currently trying to disrupt FICO's hold of the market. But the reality is that the "establishment" in the states is FICO. So when people say, Yes, it's legit, do not confuse that with thinking that the credit score produced by Credit Karma is going to be "your credit score" when you try to get a loan. It won't be.