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 Scores
Profile Image

Question By
loralie5974

4 Contributions
0 People Helped
how come it says the highest score is 850? I don't think that's right
I got a credit bureau report once from Trans Union. It said my score was 904. But your site says the highest is 850. So I called the RELS people one day and they said you can't get a score that is that high either. But I did and I am glad I saved that report. I look at it every once and a while to to remind myself that it can be done.

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
996 Contributions
552 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

It depends on the scoring models, not all credit scores created equally, and we have 100s scores out there. Up until early 2015 Credit Karma proved VantageScore 2 that goes upto 990, since then it provides VantageScore 3 that goes upto 850. Many people complained back then that their scores dropped 100 points overnight, not sure what were they expecting to happen to their scores, when the scoring ceiling lowered by 140 points. Some FICO industry specific score models do go up to 900. TransUnion also have their own (so are other Credit Bureaus) score model call "new account" score, I think it goes up to 950~990 ish? That's probably the one you referenced to. When you look at scores? Always find out what model it is, other wise you are comparing Apples to Oranges.

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.