Apparently Credit Karma isn't accurate at all, huh

Question

So I bought a one-time equifax report/score directly from Equifax and then compared the numbers to Credit Karma. While the reported balances and all of that are the same, my "real" credit score from the direct pull from Equifax is 50 points lower than what CK reports...**bleep**?! Well, guess that makes CK basically worthless.  With that being said, I am looking for a 3 credit score/report monitoring service which I can somewhat rely on to be accurate month to month. I realize that this site has some products, but $350 a year seems a little excessive, especially only to get quartley reports. Are there any more affordable sites out there where I can watch all 3 of the big boys for a better price (and month to month)?

Answer 1

agentsmith wrote:
HiFromSeattle wrote:
While the reported balances and all of that are the same, my "real" credit score from the direct pull from Equifax is 50 points lower than what CK reports...**bleep**?! Well, guess that makes CK basically worthless. It gives you all your correct credit info, from two CRAs, for free, but not giving an accurate FICO score (also for free) makes it worthless? They only make money off CC recommendations and advertising. I'm quite sure that the reason free sites like CK don't give accurate scores is because they can't, because they don't have access to the algorithms that generates a FICO score. Accessing the true FICO algorithms likely costs money, and that cost gets passed on to the consumer if they want to see their true FICO scores. Right, also it's not the CK is inaccurate, it almost certainly is accurate at producing the score that it claims to be using, Vantage Score 3.0.    The problem comes in that few if any of the issuers use that in a major way.    But if I look at a report pulled from here, focusing on EQ: FIC0 845 (This is the 08 score)FICO: 800 (Score 5, for mortgages)   OMG, FICO is inaccurate by 45 points!   (If I relied on the 08 while mortgage shopping) FICO: 847( /900) Auto score 8FICO 817(/900)  Auto score 5  FICO 873 (/900) Bankcard 8FICO 807 (/900) Bankcard 5   So 67 points different! At least now this site shows you those scores, but if you don't know what score an issuer users, you can get as big as a surprise as with CK