Originally Posted by
doss1
I know that CreditSesame and CreditKarma do not show real FICO scores, but I was under the impression that they were pretty close to the real thing.
They may be close or they may not be close. Accuracy may vary from credit profile to another. Regardless, you can't rely on a scoring model to determine what the outcome would be with an entirely different scoring model.
Originally Posted by
Maz67
This is quite a spread. What to think?
Stop obsessing over the numbers and focus on the data in your reports which is what is used to generate the scores. There's no guarantee that the scoring model you're relying on is what the next creditor that you're applying to will also use. Creditors don't all use the same models or even the same CRA's and both can have an impact on the numbers generated (as well as data differences due to scores being generated on different dates).
Originally Posted by
sfoboy85
Yet another reason why these sites are clearly just a waste of time.
They're handy for monitoring trends with one's credit but the scores really don't mean much.