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nh19926

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Credit Score Varies with Cap 1, Bureau's, and Credit Karma
Cap 1 free credit score monitoring says my Trans Union score is 685. Credit Karma is closer showing 711, and last night I pulled my Trans Union Score at is shows 723. Equifax and Experian show 727. Why the big jump when they are pulling from the same source.

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This might sound like a broken record... They all based on different scoring models. If you dig deep enough? You might find you have hundred different scores, but good percentage of them are irrelevant to the lenders/creditors, because they don't use them to determine your creditworthiness.

If you read the fine print/disclaimer on your Cap1's credit tracker score? You would see that they don't even base their lending decisions on the very score they provided you.

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Not from same source!

Different creditors report to different credit bureaus so few, if any, have the same information.  They also have their own formulation for calculating credit score.  Credit Karma uses some of the information from the two credit bureaus to get an approximate credit score for use in seeing what effect certain financial; actions may have on the score, and only foir educational purposes, not reported to anyone. If you get a FICO score, you'll find it is different, too.

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