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pat725

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CreditKarma scores higher than bank pulled. What needs correcting?
My CreditKarma Transunion score is 626. The bank pulled the score and it is 575. My CreditKarma Equifax score is 624. The banked pulled it and it is 535.. My god, what a shock. What needs correcting? How can there be such a difference? Does that mean that all the information on CreditKarma about recommended credit cards, loans, etc. is unreliable? What good is CreditKarma if the scores are so widely different than what the bank gets from Transunion and Equifax?

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Different scoring models are being used. Most lenders use a version of FICO scores. You get Vantage scores here. Always look to see what kind of credit score you are getting. Take some time to read about all of this in addition to all credit topics. And yes, ignore the recommendations on here, they are basically just ads. If you are interested in getting a credit card, check the preapproval on the Capital One website, maybe you can get an unsecured platinum card, if not you may have to get a Secured card with them. There is a lot of info on this site and around the internet on how to build/rebuild credit. Start reading right away as it takes time to do this. Any questions along your credit building journey please feel free to ask.

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