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Miri69

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Has anyone had a good score on credit karma only to find your score ia MUCH loqee rhan they said

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Yes, but it was not unexpected because of the difference in score calculation.  The scores here are determined by the Vantage 3 method but, as is explained in the articles here, each credit bureau has their own way of calculating scores.  Learning how to get the negatives taken care of and how to build my score has been a great benefit and it was from the information here that I was able to do that. 

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