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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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credit score and credit monitoring??
i've been watching my credit score through credit karma for a bit. according to them, my credit is about 650-ish.
this past weekend, i had to have my credit score run. it came back at 730.
what's up with that?
is credit monitoring not accurate?
i'm quite confused.
i'm also happy that the discrepancy is a positive one, but confused.
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Posted 11/18/19 12:28 PM  |
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b2b777
LIF Adult
Member since 9/09 4474 total posts
Name:
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credit score and credit monitoring??
I have accounts with Chase and Amex and they both let me check my score as often as i want. If you have those maybe click their links and see what comes up to compare
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| Posted 11/18/19 1:31 PM |
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Mill188
LIF Adult
Member since 3/09 3073 total posts
Name:
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Re: credit score and credit monitoring??
credit karma is not giving you a FICO score. They use a score called Vantage. It's a different scoring model than FICO and not as widely used. Chase's Credit Journey uses it too.
For a true FICO score you can check for free, I believe Discover lets you check your score even without a credit card.
FICO scores and Vantage scores are very different. Most lenders use FICO scores. I don't know of any that use Vantage.
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| Posted 11/18/19 1:37 PM |
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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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Re: credit score and credit monitoring??
Posted by Mill188
credit karma is not giving you a FICO score. They use a score called Vantage. It's a different scoring model than FICO and not as widely used. Chase's Credit Journey uses it too.
For a true FICO score you can check for free, I believe Discover lets you check your score even without a credit card.
FICO scores and Vantage scores are very different. Most lenders use FICO scores. I don't know of any that use Vantage.
interesting.
i had no idea there was a different scoring system.
thanks for the heads up.
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| Posted 11/18/19 2:09 PM |
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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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Re: credit score and credit monitoring??
Posted by b2b777
I have accounts with Chase and Amex and they both let me check my score as often as i want. If you have those maybe click their links and see what comes up to compare
i have an account with chase.
i'll check it out
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| Posted 11/18/19 2:10 PM |
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Mill188
LIF Adult
Member since 3/09 3073 total posts
Name:
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Re: credit score and credit monitoring??
Posted by MarathonKnitter
Posted by b2b777
I have accounts with Chase and Amex and they both let me check my score as often as i want. If you have those maybe click their links and see what comes up to compare
i have an account with chase.
i'll check it out
Chase also shows the vantage score on their site - not a FICO.
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| Posted 11/18/19 2:57 PM |
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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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Re: credit score and credit monitoring??
Posted by Mill188
Posted by MarathonKnitter
Posted by b2b777
I have accounts with Chase and Amex and they both let me check my score as often as i want. If you have those maybe click their links and see what comes up to compare
i have an account with chase.
i'll check it out
Chase also shows the vantage score on their site - not a FICO.
gotcha. skipped that detail in your first post.
thanks.
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| Posted 11/19/19 10:34 AM |
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