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oldschool1974

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Why does CK have my TU score as 645, when the TU site says it is actually 719? Confused.

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Different scoring models (calculators)

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Because Capital One is using the TransUnion New Account Scoring Model and CreditKarma is using the TransUnion VantageScore 3.0 Model.  They are both TransUnion credit scoring calculators, but each place slightly different values on the items listed in your credit reports.  There are literally THOUSANDS of credit scoring models (calculators) out there that give different values to the exact same information; i.e. one might not count closed accounts, and another might only count closed accounts with a balance still on it, while another might say all closed account should be counted in the score.  So it's up to the company that uses the scoring model to pick which scoring model they want to use based on the weight of the information listed in the reports.

I hope this helps, and if it does, please thumbs up.

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Different scoring models, neither of which are FICO scores.

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