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Duckie1959

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My Dec score was posted at 704 now in Jan is states that the Dec is 625. Why lower an old score?

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Credit Karma Team
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Hello! 

Credit Karma has adopted the VantageScore 3.0 score provided independently by TransUnion and Equifax. We are displaying your December score for that new model as well. Your old score was calculated using a different model so it is no longer included on that graph.

The score you previously saw on Credit Karma, the TransUnion New Account Score, is based on a more classic credit scoring model that primarily weighs payment history, debts, length of credit history, number of recent credit inquiries and mix of credit to calculate your credit score.

Because each score is calculated based on different factors there can be difference in the two credit scores.

Read more about the new score here:  http://www.creditkarma.com/article/guide-to-credit-karma-credit-scores

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