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jaqar
1 year ago
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How can I get my credit report from karma in the mail
Krashanti 1 year ago
It won't come from us, but you can get it at AnnualCreditReport.com
CK Moderator
My report is missing one of my credit cards- which has a high limit, no balance, and is my oldest card. My utilization should be much lower and age of accounts older. Why is this card missing?
brodermo 1 year ago
The credit card lender is probably not reporting to TransUnion.
CK Moderator
I got my credit report from AnnualCreditReport.com for Transunion, and five days later I got it from Karma.com. my two scores was different. It went from 750 to 659, how is this possible
Mischelle 1 year ago
The score sold on AnnualCreditReport.com is the Vantage Score. It ranges from 501 to 990.
CK Moderator
In response to 'Brodermo' you said 'lender is not reorting to TU'. Same is happening to me! What can we do about it? And how can we correct mistakes on our credit report?
salloux 1 year ago
Lenders are not obligated to report to all bureaus. However, they are obligated to correct in accurate information if they do report. You should contact your lender if you see something inaccurate on your credit report.
CK Moderator
I find it interesting the Credit Karma uses Transunion for its credit score Data. Of the three Credit bureaus, Transunion has always scored me the lowest, yet I am surprised considering all that has happened recently that my score is a reasonably good as it is despite so many of my accounts have cut my credit lines and jacked up my interest rates despite the fact I have a 100% pay on time rating and have made real efforts to pay down my balances.
seastache 1 year ago
It is a statistical fact that no one credit bureau is better than any other. There are some correlations with better coverage in different geographies based on old reporting habits. Today, those biases are virtually gone due to the ease of transferring data.
CK Moderator
It's interesting that all 3 reporting agencies have such a difference in their range of scores. I know the trimerge is the standard for most lending agencies. Is there a way to get the scores closer?
StagerGirl 1 year ago
On a tri-merge, the range is the same because they use the same score. If you are looking to get your scores closer, make sure you check you reports to ensure all have the same correct data.
CK Moderator
karma should post all three credit scores from each credit reporting agency, not just transunion. perhaps we need the government to mandate equal and similar rating standards between all three credit reporting agencies. each agency seems to have different scales and ratings.this seems to be a contention for us customers who want to know how each agency is scoring us. i dont know which agency my creditor will pull up if i apply for credit and it is too***bersome and way too expensive for me to get multiple scores.
4srco 11 months ago
The government does mandate credit reports as you suggest. As for the score, they are a tool of convenience and different lenders use them differently. It is unrealistic to build one score that works for everyone.
CK Moderator
In the past, when I purchased a three-in-one credit report. I found that two of the reports were vastly different than the corresponding report that I get directly from the credit bureau. For example. If I had purchased it from Trans Union, The Trans Union was the same. But, the Equifax information tha I obtained from Trans Union was not the same as the information I purchased directly from Equifax. And the Experian information that I obtained through Trans Union would not be the same as the Experian information I purchased from Experian. I can't remember which bureau from which I purchased the three-in-one report. The only thing that I could surmise is that the information from two of the bureaus was only updated monthly. But, the one bureau was updated each time I pulled up the three-in-one report. Due to the discrepencies, I canceled that service.
JohnHoer 1 week ago
CreditKarma reports that my credit score has dropped almost 30 points from the last time I updated. I cannot find a reason for this, and do not see any information on the site which would suggest anything has changed. My CC utilization is up slightly, but our overall balance is much lower than it was a couple of months ago. We're showing an 'A' score in that category. I just placed a fraud alert with TransUnion, but I need to figure out if CK is getting new information about my credit. I've looked at all the charts and everything seems ok. Any advice would be appreciated.
mfc90125 8 months ago
I have noticed the same thing on my score from CreditKarma. When I look at my score on the transunion site my score changed to a higher score by 73pts. Not sure what is going on since CreditKarma pulls from Transunion.
dmorales125 7 months ago
TransUnion mainly sells the TransRisk and Vantage. We use the TransRisk.
CK Moderator
I just looked on Transunion and my score reported is 43 points lower than the credit karma site why the difference?
jtn1961 7 months ago
They just started using the Vantage score, a different scoring model.
CK Moderator
Will Credit Karma be changing so that CK scores will accurately reflect trans union scores?
billpfister 7 months ago
We are evaluating options.
CK Moderator
Do TrueCredit.com and CreditKarma.com use the same scoring system? I understand they are both Transunion but the difference for between both sites on my score is drastically different.
monimoni79 5 months ago
We used to. In Jan 2010, they moved to the Vantage score.
CK Moderator