Are Credit Karma's Scores Accurate?

“Are Credit Karma's scores accurate? Credit Karma provides VantageScore 3.0 from TransUnion and Equifax. Your question reflects too little understanding regarding the variety of fico scores. One credit standing is not more accurate than another, but you'll find different credit scoring models, and also, scores will vary because the date with your credit report will normally vary slightly in one credit reporting agency (CRA) to a new. Furthermore, the information used to calculate your score can have been captured at different times, which may cause additional variations from the date employed to calculate your score. There are a lot of FICO models, and then you will find some non-FICO models. However, chances are that the biggest difference the thing is will be because of different models having different “ranges” (i.e. the minimum possible and highest possible score).



Note - a reader wrote in on 12/20/15 to mention the site does now call for a full ss #. While that would have been a drawback if true, it’s not much of a deal breaker. Learn how to keep your ss # safe even though you may share it with hospitals, salesmen you will find, even Credit Karma.



Read our article on IRS IP PIN numbers here. Credit Karma only requests for the last four digits of each one user’s ss #. The one caveat is that this site does collect a user’s name, address, and speak to number. Some individuals may worry that it information could be accustomed to conduct identity fraud.







However, considering that the info is publicly published in most cases anyway, sharing this info won’t certainly be a worry for almost all. One worry with online services is how the business can get hacked at some time and a user’s private information are going to be stolen. Since Credit Karma doesn’t collect account numbers or full social security numbers, whether or not they’re hacked there’s little to worry about.