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
Why does my Equifax score on CK and the # a Creditor saw on my report differ by 100+ points?!
My CK Equifax score shows 596, but when I applied for an auto loan, the potential Creditor denied me, stating that my score was around a 470..
I am very upset because I have been utilizing Credit Karma over the past few months, paying outstanding debts on time, etc.. I felt blind-sided.. Why are the scores SO dramatically different?

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

View your scores and reports anytime.

All Responses

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
552 Contributions
246 People Helped

Helpful to 13 out of 13 people

1) CK uses the Vantage 3.0 scoring model, whereas most folks use FICO. The Vantage model is (usually) good enough to show improvements (or detriments) over time.

2) CK contacts two of the three bureaus - Equifax and Transunion. The third bureau, Experian, doesn't share with anyone, and demands that you pay them a monthly fee to see their stuff. Experian may have your score so low that it dragged down the average, so you may want to get a copy of their report on you (just don;t get suckered into their introductory offer thingy and end up paying a $30/mo fee...)

1 Contribution
5 People Helped

Helpful to 5 out of 5 people

I had similar experiance, after showing my report score to the finance officer, he advised that what CK had was my credit score in general and would be used for things like home loans but for car loans they calculate the score differently and much lower than any Equifax.

1 Contribution
3 People Helped

lower scores with other bereaus

Helpful to 3 out of 4 people

Your score may show as a 470 because all 3 scores will be combined to one, for example, score so if you have a 600 with transunion a 500 with equifax and a 450 with experian all there scores will be used to create an overall score for you. the two lower scores will definitely bring the 600 score down. This happens because there could be something wrong on your credit report that made the other scores lower. I hope this helps!

Top Contributor
11743 Contributions
4504 People Helped

Helpful to 1 out of 20 people

You apparently haven't read the articles here to learn how credit works, which is the purpose of Credit Karma.  And you have been a member for 5 years!!  Credit Karma is not a credit bureau as you will learn and your question has been asked dozens of times before so you can find the answer if you look for it.

Results 1-4 of 4Results 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.


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.