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!

Question

Posted in Credit Scores
Profile Image

Question By
SonnyHoney54

48 Contributions
280 People Helped
What gives.... CK Transunion score VS MYFICO score?
On May 2, 2013 I went to My FICO, signed up during their free trial period (cancel a week later) and my score was 794. On the same date my CK Transunion score was 685. After 8 years with no credit, I now have 2 major credit cards, a KOHLs card and a $25,000.00 Chase auto loan with 3 Equifax inquiries (6 Transunion inquiries). 1 ½ years ago I came off the credit bureaus 7 year black list. (Spotless credit file since) With a CK score of 685 I rate as a fair chance to be approve for most of the good credit cards using the CK rating system. Are the Banks look at the CK scoring model for my credit card review or are they using the 794 out of 850 FICO scoring model?

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

View your scores and reports anytime.

SIGN UP NOW

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.