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BKJ1969

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Transunion score varies from what is displayed vs the true score

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Vantage model sucks. Use it and learn from it. It's garbage.

FICO is the one that matters. The former is a model that culls data from the top 3 indiscriminately to formulate a score.

The latter (FICO) is a custom model generated for each particular acounts. All the difference in the world. That's why it's TRUSTED.

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You haven't read the articles here to learn how credit really works, have you?  There is no such thing as a single REAL score in credit.  There are hundreds of correct credit scores, depending on which method was used to calculate them.  And the recommendations given here are not based on your total score, but on the partial information available here.  The advertisers here pay for this site so that we can use it for free. What you learn from the articles will help you for the rest of your life, providing you apply what  you learn.

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Scoring

When Credit Karma shows my TransUnion score to be in the mid 690s and then I apply for a loan from one CK's loan offers I had 3 companies decline me stating my score was actually 635. Why would there be such a large discrepancy between what is shown and what the actual score is?

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Sure are, always been always will. Different scoring models.

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