And what is the most reliable app to check your score?
Over 9000
I get my FICO score from most of my credit cards and my credit union
Below 400. No more cards and loans anymore. No more options for people who are incumbered with bad luck like me.
I use Experian to check my credit score.
You have 3 credit scores. Typically you pay for access to these. Credit Karma give you the best approximation of your score. Typically within 3% of the number. Which is good enough for free.
Credit karma gives you a Vantage Score which can be wildly different than FICO depending on your credit history.
That would be the exception and not the rule. FICO has at least 6 models of their score (see their site), and Vantage has a few. So your number varies slightly based on which is provided. *** UltraFICO is a whole different animal
Credit karma uses it's own algorithm to guestimate credit scores. my experience is that they are 25-50 points more than what real score it (from.experian, TransUnion etc. ). Overall it's a great to track the trend but I will not take the credit score they give in stone.
Agree, Bank of America or Barclays or Discover have real FICO score. CK, Chase, Citi, have inflated score
My Experian Fico score 8 is 840 :)
Mortgage rates? Car loans? Even insurance premiums depend on your credit score. SUPER important.
FICO8 is 790 given by Amex (same one they use to open credit cards).
Credit Karma is the best app to check your credit score and more.
Chase has same feature if you have their credit card.
Fake News Credit karma issues fake scores. Use the Experian app if you don’t have FICO 8 scores through any of your banks or credit card issuers.