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Posted in Credit Scores
Which is accurate?
On your site it says my transunion score is 660, but when i went and checked my score with transunion through another paid credit service, they said it was 734. Who do I trust?
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karmakid1

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This site obviously scores a lot lower than Transunion. For the last two years on Credit Karma my score rarely got above 600, yet on 3 occasions the bank checked my score and I was around 100 points higher each time. I was able to buy a house, 2 cars, and took out a personal loan. I am not in over my head, the personal loan and one car was paid off recently, I have $69 in credit card debt with $3000 in total limits,  yet my score was still 613 today. I scored an A in every category except average age of lines, which I tend to pay off credit early so thats why I don't have old lines of credit. I just can't understand why paying off credit early hurts ones score...to me that would be a positive indicator of good creditworthyness. 

Don't stress too much about Credit Karma's credit score, it's not 100% accurate, just use it as free tool to track how your credit is doing in general. If you see a sudden plunge, it would be a good time to pull your real credit report from the big 3 in order to see what happened.  

Response by
fictionpriso

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Nobody.

Welcome to the magic of credits scoring. Both are right, but it also depends.

Use it as an indicator.

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KeesdeWit

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