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Annoyedwithkarma

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Credit Karma score keeps dropping while my other credit scores are rising. Go figure. CK is a joke

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Top Contributor
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CK is an Educational site

The scores on CK are created using the Advantage 3.0 algoritium.  There are hundereds of algoritiums that creditors use.  The 3.0 system is a little strickter than most others. Thus your scores may rise and fall faster than others. 

I consider the Ck score to be the lowest you can expect to have.  My FICO is usually anywhere from 30 to 50 points higher on other sites. So Consider the score here to be "Baseline" so to speak.   The scores are not wrong. Just different.  You will have a different score with each and every Credit Reporting agency, In fact you can have different scores with the same creditor depending on what type of loan or credit your trying to get.

Your better off understanding what "Bracket" your score falls in than worring what the exact number is.  Credit rates and limits are set by the bracket that your score falls in. You get the best rates & limits when your score is above 750. 

Good luck

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