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!


Posted in Credit Karma
Profile Image

Question By

0 Contributions
0 People Helped
These scores are BS. Credit pulled for loan. As much as 48 points off real score. Pure & simple BS.
Vantage Score 3.0 has no relation to your "real number" when credit is pulled. I took the score provided since Credit Karma changed their model to Vantage Score 3.0 with a grain of salt. It just did not seem to be right. But I didn't expect the score to be so blatantly WRONG. I lived a credit free lifestyle for 15 or so years before I finally decided to settle in this area and buy a house. But because I didn't play the credit company's game and stayed in debt I had no score because I had not had a credit card or a loan for that decade and a half. So a couple of years before I planned to purchase I started building some credit. I thought that I could use Credit Karma as an indication that I was trending in the right direction in the months before making an offer. Surprise! And a bad one at that! Unforgivably wrong! This will probably be the last time I log onto this site. But I just wanted to share my experience so that hopefully at least a couple of people won't rely upon the scores provided here and get a shock like I did. Don't count on these scores. They are nowhere close to accurate. If they are then it is just a coincidence. There is nothing like getting a real credit score pulled from your trusted financial institution. Don't believe in Credit Karma. Don't get burned.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
21 Contributions
18 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

The simple fact are these: the original CK score (TU New Accounts Score) was absolutely garbage; there has never been a known lender who has used this score to underwrite anything... it was in effect an educational score.  

The current VS 3.0, while it doesn't have a large market penetration compared to the 800 pound credit scoring gorilla that is Fair Issac (FICO), is used by some number of lenders (including well known ones such as Chase) to underwrite some of their products.  That said, the only score which matters is the one that the lender pulls, and there's over 50 FICO Scores now in the wild too, of which perhaps 30 possibly could be found on a given credit card decision.

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.


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.