Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
Kccct1

0 Contributions
0 People Helped
Dazed and confused
Ck only has 2 of 3 scores, why? Highest of the 2 is 700. Being a big dummy and Boeing to pressure i let a mortgage loan officer run a application. He found no scores ... At all. So how does ck come up with 700 when the bureaus have no score at all due to my lack of History? This misinformation cost me 9 points. Well 9 ck points. Who knows how many reality points I lost.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
785 Contributions
299 People Helped
Most Helpful Response

Ignorance is no excuse

Helpful to 1 out of 1 people

CK is a great way to check your credit weekly and learn by reading articles here.  They use a Vantage scoring system, which generally results in a higher score than FICO scoring, which the credit bureaus utilize.

When applying for loans it's important to ask the potential lender which credit bureau(s) they use; Transunion, Equifax or Experian. Then you need to obtain a copy of your report. You're allowed a free one yearly from each bureau.  There is a cost to obtain the actual score.

Please read the articles here and other sites online to educate yourself.

Top Contributor
5038 Contributions
1136 People Helped

Let me add to what mindjazz said. You develop Vantage scores before you develop FICO scores. As already advised, some reading is necessary for you to understand all of this.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.