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 Scores
Profile Image

Question By

0 Contributions
0 People Helped
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?
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
327 Contributions
91 People Helped


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

Use it as an indicator.

1 Contribution
1 Person Helped
Most Helpful Response

Helpful to 1 out of 2 people

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 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.  

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

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.