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hjstyke

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I have free credit score w/ cap1 my score is 660 w/TRNS why on creditkarma 761 all info the same
Same credit bureau updated with same account and no collections ... How do I know which score is correct?

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Top Contributor
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The reality is that you have many scores

And they are all correct...!  and they can differ as much as 100 points

It all depends on the Algoitium that the different credit bureaus and reporting agencies use.  CK uses the Vantage system. 

it all depends on how current the info they have is.  for example, A payment you made in the last week can make your score jump up on one report but might not be cross-reported to the other CRA's for up tp 30 days.  thus keeping that score at another from reflecting the lower balance for another month. 

Its one of the querks of the system

Good luck

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