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 Scores
Profile Image

Question By
Athanasia35

2 Contributions
0 People Helped
Why is my credit score 50 points lower on the experian sight then on this sight?

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
30 Contributions
66 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

First, each of the three major credit bureaus has slightly different information for your history since not everyone reports to all 3 bureaus, not everyone reports to all 3 bureaus identially, and each bureau has slightly different policies about how long things stay on reports and other details.  With very few exceptions, everyone has different scores from each bureau.

However, the scoring model used to calculate the scores is probably different between CK and Experian.  CreditKarma uses the Vantage Score 3 credit scores, while Experian obtained scores can be FICO 8, Vantage Score 3, or Experian PLUS model scores depending on the exact Experian offering purchased.

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.