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How much should my Credit Krama TU score drop
Six weeks ago I closed out a 2 year auto loan and added 3 new inquiries to my Transunion credit report. A week ago the new loan apppeared on my CK account and my score dropped 30 points. My AdvantageScore went up 3 points to 820. I know that different credit models use different credit formulas but it appears that the TU formula that Credit Karma uses is hard on people that just obtain new credit. My Experian and Equifax scores I receive from your competitors are in the 790 range which is excellent. My CK score is 645 which is just over the poor credit rating line. All 3 credit reporting agenices are reporting the same major items. My TU report has more inquires (8) verus 3 wth the other CRA. I did my FICO score in the past and it's in the excellent range. What is up with the TU formulas that seems to place me in the high risk category?

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