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Posted in Auto Loans
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Carbuyer77

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I visited a car dealer yesterday 12/06/2015 to buy a car.On my karma credit report it's on the 740's
but when the dealer run my credit, the transunion/experian fico scores were only 630's. It looks that your fico score algorithm is wrong and over rated. When will you plan to fix it since the difference was "110" points ?

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FICO calculates scores one way, the credit bureaus calculate theirs another way and the scores here are calculated using the Vantage 3 algorithm.  The scores here are approximations for use with the financial tools.  Nothing here is to be taken as "absolute" since the purpose of this site is to TEACH people about credit and how to use and improve theirs.  The credit scores here are also FREE.  If you want an absolute FICO score or other credit score, you may want to pay their fee at their site.  Your choice.   

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