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 Karma
Profile Image

Question By
janesdf

0 Contributions
0 People Helped
Where is my COMBINED Credit Score?
I noticed a couple of weeks ago after logging into to Credit Karma that instead of one combined score, I now see two scores from two agencies and I cannot find a link to show my combined score which is more important to me. In addition to this question, about three or so weeks ago, I logged in and my combined score was 780. Absolutely nothing has changed except that the two different scores I now see are lower. What happened?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
88 Contributions
352 People Helped

Credit scores

Helpful to 0 out of 1 people

I'm not sure what you're referring to with the "Combined" score question.  There are 3 major credit bureaus, each of which has their own unique score.  When a lender pulls your credit, they do so from one, two or all three of the credit reporting agencies.  

If you apply for a home loan, they don't take an "Average" or a "Combined" score but rather look at all three and go by the "Mid-score."

Previously, Credit Karma only provided one score which was based on the "Vantage" score model (different than a FICO score though increasingly similar in result) looking at the data provided from TransUnion.  They recently aquired the ability to also report on the Equifax data.  Thus, you are now seeing TWO of the THREE major credit bureaus scores.

Without seeing the two reports you are referring to, it would be impossible to point out the details of what has changed but scores can and do change on a daily basis while looking at thousands of pieces of data.

Hope that helps.

Thanks,

Joe

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.

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.