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alert mods    
   posted: Jan. 30, 2008 @ 12:11p

mcomstock said:908, do I win?

I managed to pull a 916. What's the highest and lowest?


alert mods    
   posted: Jan. 30, 2008 @ 2:30p

variance75x said:mcomstock said:908, do I win?

I managed to pull a 916. What's the highest and lowest?
Highest was a 999 (I just made that up).

Lowest was a 2 (I just made that up too!)

Your 908 (which you also made up) falls somewhere in the middle!


alert mods    
   posted: Jan. 30, 2008 @ 3:17p

variance75x said:mcomstock said:908, do I win?

I managed to pull a 916. What's the highest and lowest?

"The technical specs we received for the score are 390-950. We haven't seen anything in the low 400s or anything near the 950. From my experience, the extremes are always hard to reach since it become exponentially more difficult. For example, 950 would imply no risk and 390 guaranteed default."

http://www.creditkarma.com/article/differentscores


alert mods    
   posted: Jan. 30, 2008 @ 3:33p

875 for me. My WAMU free FICO from TU is 771 by comparison. Green for OP.


alert mods    
   posted: Jan. 30, 2008 @ 3:40p

OP, might want to put "creditkarma" in the title.


alert mods    
   posted: Jan. 31, 2008 @ 1:06a

Thanks OP!

My score is 675 Does it only pull TU?


alert mods    
   posted: Jan. 31, 2008 @ 2:00a

869


alert mods    
   posted: Jan. 31, 2008 @ 8:23a

It doesn't seem to want to let me pull today. It's been over 24 hours since my last pull, but it still says "Today's score was retrieved. Check again tomorrow!"

The weird thing is that the score says it's as of "January 31st, 2008", but the history shows it was last pulled on the 30th.


alert mods    
   posted: Jan. 31, 2008 @ 10:25a

i just pulled for the second time, and the first time was less than 24 hours ago. my score changed 3 points.


alert mods    
   posted: Jan. 31, 2008 @ 10:42p

What is the scale for Experian PLUS score, anyone?


alert mods    
   posted: Feb. 1, 2008 @ 7:18a

Jumped 35 points to 827. Weird.


alert mods    
   posted: Feb. 2, 2008 @ 4:50p

CK = 758
EQ FICO = 722


alert mods    
   posted: Feb. 2, 2008 @ 5:04p

So am I the only one who has a lower CK score than EQU score?


alert mods    
   posted: Feb. 2, 2008 @ 6:54p

876 for me.
EQ/EX/TU are 745/727/732.


alert mods    
   posted: Feb. 6, 2008 @ 2:51p

Tornadochaser said:So am I the only one who has a lower CK score than EQU score?

Same here - CK came up 603. I just pulled my Experian report and I have a 785 according to myFICO.

I think maybe CK is averaging out the 3 agency scores? I know TU is missing 14 of my accounts, and they haven't sorted it out yet, so perhaps my lack of a TU history brings down my CreditKarma score.


alert mods    
   posted: Feb. 6, 2008 @ 3:25p

they're soft pulling TU for me, so there you go.


alert mods    
   posted: Feb. 6, 2008 @ 3:26p

I doubt creditkarma is accessing fico or other scores from the agencies. They'd have to pay for those and that would be a huge hit on their ad revenue.

I think they've just made up their own presumably reasonable but certainly different scoring system based on the data in the report.


alert mods    
   posted: Feb. 6, 2008 @ 9:22p

Equifax = 750
creditkarma = 825


alert mods    
   posted: Feb. 7, 2008 @ 2:13p

EQ- 790

CK- 891


Not sure how they use your phone number but I didn't give them a land or cell line (gave them my pager) and it went through fine.


Is the consensus that they're pulling TU? The agreement I had to click said either TU OR EQ OR EX


alert mods    
   posted: Feb. 7, 2008 @ 2:17p

curtisekarr said:brushwood said:This looks interesting but I think the scores are very inflated. It says I have an 866, which I highly doubt.I think it might be using a different model than the traditional 850-max model. Perhaps that new Vantage model that I think goes up to 950.


It's not Vantage-- my V is higher than CK. I believe it's their own recipe.

Nice find, OP !


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