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imakarmachameleon

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FICO score is WAY LOWER than CK scores! suggestions?
FICO 8: 619, FICO 2 (bankcard): 658
CK 731 TU, 725 E

I see a lot of people complaining that their actual scores are higher... any suggestions on why mine are so much LOWER?

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The difference is covered in the articles here and it is often a difference in the manner of calculation.  Credit Karma does not provide FICO scores, but does teach how credit operates, and it is valuable information that I have used to help build my score.  This is knowledge you can use for the rest of your life if you take the time to read and learn.

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The reality is that you have hundreds

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Of credit scores. Most major banks &  financial companies have their own algorithms.  Most of which weight info differently based on the type of credit the offer  

FICO is just one company if the over 300 scoring companies operating in theUS today. 

You score actually changes every time a charge or payment gets reported. 

The numbers we see, like FICO's  are averages based on the last 30 days of reported information. 

Hope that helps. 

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