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beach64

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Why Transunion Score different on CK, than on application denied letter from creditor?
My Transunion score from Credit Karma is 629, yet Transunion score that a creditor used in same time frame, is only 559? Same company, (Transunion), yet major different score!! What the hell! Which is correct, and why the big difference?

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The data source isn't the only factor that affects the score.  The scoring model does as well.  CK's old site design uses the TransUinion New Account model.  CK's new site design uses Vantage 3.0.  Most creditors use a FICO model.  You can't rely on a score from one scoring model to determine the score generated by a different model.

There is no "correct" score.  Different creditors use different scoring models.  The closest thing to correct is whatever the creditor used in their decision.

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