而公司的主要业务就是提供给用户免费的信用分数查询，而它的分数是来源于美国三大信用机构（TransUnion ，...
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is 100% free. The first step in your credit journey is knowing where you stand. With Credit Karma, you can see your TransUnion and Equifax reports anytime. Growth looks good on you. No matter your starting point, Credit Karma can help you improve your credit over time with personalized re...
TransRisk Score You may have heard the term “fako score.” It refers to any score that is not a FICO score. One example is a TransRisk score. TransRisk scores are based solely on data in TransUnion credit reports. Like FICO scores, the range is 300-850. But FICO and TransRisk scor...
Credit Karma通过与三大征信局中的两家TransUnion和 Equifax合作,通过批量购买信用报告的形式,为客户免费提供四种基础的信用评分查询分析服务,包括简版信用报告,信用评分,模拟信用分析和信用检测。 信用评分:Credit Karma提供基于TransUnion和Equifax两家征信机构的Vantage Score 3.0信用评分,每周更新,以及用户的信用变化趋势。
TransUnion Credit Score:as seen above, you get a free TransUnion credit score, and it is continuously updated every time you log in to your account, so you can see how it changes periodically as you take actions that will impact your credit score. ...
Credit Karma 提供的服务是个人征信服务,但是区别于传统的三大个人征信公司,Credit Karma 更像是贴近C端的顾问角色,它以批发价格从从 Equifax 和 TransUnion 处购得大量的个人征信报告和原始征信数据,加以解读之后,免费提供给消费者,吸引流量和增加粘性。不过第三方信用咨询机构并不会给出具体的分数计算黑盒,而是将影响...
Screenshot via creditkarma.com As you can see, the site displays two different scores, one based on your TransUnion credit report and one based on your Equifax credit report (Credit Karma does not use Experian credit scores). Credit Karma calculates your score using VantageScore 3.0, which it...
Is Credit Karma Accurate? Credit Karma uses the VantageScore credit-scoring model, which was created by thethree major credit bureaus—Equifax, Experian, and TransUnion—as an alternative to the longer-established FICO model. Although VantageScore is less known to the public, it claims to be abl...
The short answer for why different entities produce different scores about your credit is because they’re calculated using information from three distinct credit bureaus—Equifax, Experian, and TransUnion—and that information can vary. For instance, a lender may report negative or e...