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cookie492013

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why was it on the first of dec my score was 632 and on the second it was500

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Credit Karma Team
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Hi cookie, 

It sounds like you may be one of the very first users to experience our newly redesigned site, which uses a new credit formula: VantageScore 3.0. I understand the change was probably quite surprising! Since we changed score models, it's possible that nothing changed on your credit report (you'll want to review your full report just to be sure). Not all score models work the same, some weigh different variables in your credit differently. 

We chose to switch to the VantageScore for a number of reasons. It is a model created jointly by the three major credit reporting companies— the same model can be applied to any of the major three bureaus’ credit reports.  Providing that the credit report data is the same amongst the credit reporting companies, the score will also be the same. We think this consistency will be valuable to our members. 

Stay tuned, because this is the first of several changes coming soon, and we think you’ll be pretty excited about what’s to come. As always, we highly value your feedback, so please do send any thoughts to support@creditkarma.com

Reply by
cookie492013

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0 People Helped

as long as they benifit me and my score besides that i have a couple of disputes and not sure how to dispute them if you could help it would be appreasiated        thanks

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