| Название | : | FICO Score vs Credit Score vs Credit Karma (Why Are My Credit Scores So Different?) |
| Продолжительность | : | 13.35 |
| Дата публикации | : | |
| Просмотров | : | 89 rb |
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"Yah-dah Yah-dah Yah-dah Yah-dah Yah-dah Yah-dah Yah-dah"! Comment from : Lee Roland |
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Great video Mark I really appreciate you taking time to beak down both scoring models I’m a new subscriber to your channel Comment from : Carl Williams |
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When applying for a new credit card, if you already have a credit card with that bank, do you recommend referencing your credit score that is shown in that bank's portal? For example, you're applying for another Amex card so you would check the credit score shown in your Amex portal Comment from : Chika Adiele |
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Not a problem In 2018 my wife and I paid off our home Have had 0 balances on CC since 2016plus no car payments In 2018 our scores were both above 840 now with no dept we've droped to under 820 WTF No problem because now every thing is paid for We don't need creditbrShouldn't it be 850br I don't get it Comment from : Danny Giuliany |
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lets see this video it is all talk & no show & tell how to do it? Comment from : Assorted Videos for ALL to Watch |
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Complete Bullshit! completely unfair to the consumer Comment from : Charles Cooper |
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All of these different standards make life in this country even more difficult and complex Absolutely insane Comment from : Bubu Errico |
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Thank you for the detailed and yet simple explanation! This was very helpful! Comment from : Ahmed Azhan |
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Yeah got excited for nothing when Credit Karma showed my credit score go up 62 points but I guess it all BS! Comment from : KEN G |
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0:07great video Comment from : Tee Haze |
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Why are you penalized for using a 0 6 year loan instead of spending my own money Credit score went from 840 to 811 rediculous Comment from : Dorian Gilbert |
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My Experian shows 710 but my credit karma shows 650?😂 Comment from : Adrian Teasdale |
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I’ve had a perfect FICO 8 scores but never a perfect credi karma score Today my FICO 8 is 847, while my CK scores are 817 and 821 Comment from : djrx |
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I don't have a experian scoreI'm using capital 1 for 2 months nowI'm on credit karma Comment from : High Def |
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These lenders dont have the upper hand anymore🤣🤣🤣consumers are beating them to their game! All theses scores! Comment from : LOreal Drayton |
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Credit scores are a racket Example, a few years back I pulled my reports and read them in detail 1 of the 3 literally said to improve my score it will need a longer credit history and more activity The history was 32 years of not a single late payment It appears you get punished for not using credit as well That is when I stopped thinking about as it is all a scam Comment from : Mordalo |
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This was a great video Excelent Job!!! We might do a Spanish version on our channel 😅- Felix Comment from : Mai And Felix |
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Kredit karma has always lowballed my credit, it shows I have 750 but when I applied for a home loan I was at 820, can't remember what score they used lol Comment from : Leopapio |
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for the algo0 Comment from : Alex Pacheco |
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So what I get from all of this is the industry has it so complicated that no one knows exactly what score could be pulled from what level at what time ever Comment from : Daniel Lewis |
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It's all shit that's why pay your bills on time,work with a bank that gives mortgages ,and you'll be fine Comment from : Jesus |
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my FICO 8 scores from experian is 34 and 47 points higher than my Vantage 3 scores on credit karma with pretty close reporting, meaning one is not waiting on a monthly credit card report Way different from your scores I pay credit card statement every month but usually have several thousand show up in balances I never use bank cards, only credit cards and cash I also pay all bills with credit cards if possible to get cash back or miles brbrInteresting how different it is for different people I refinanced my house a couple years ago and got 20 for 15 years I paid all the credit cards down one month and didn't use them to jack my score up for the loan Comment from : Neal the Great |
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it is absolutly stupid to have so many different credit scores regardless of the reason they create them one credit score that encompasses all relevant information needed should be created! How is a person to keep up with so many demands! Im not a Biden fan but I think his idea of doing away or revamping the credit system is long over due!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Comment from : Don Hodges |
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So, why aren't the credit reporting agencies sending us a monthly check, since they are accumulating our personal data monthly! Not to mention, the credit score They Assign, affects every aspect of our financial life Comment from : Pura Vida |
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766 and 809 are functionally equivalent Anything over 740 is gold balls territory Comment from : Dave Stevens |
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Your information is more detailed and researched than A Grad level professor⭐️⭐️⭐️⭐️⭐️ Comment from : Infantry Captain 92 |
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Mark,your channel is great! Comment from : Infantry Captain 92 |
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Karma Alright, Major Crimes💯 Comment from : Ronnie Delahoussaye Chauvin |
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zoom out Comment from : Jim Figler |
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Bottom Line: It's a big game and it's rigged Comment from : RubiconSS |
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My score went down when I paid off my mortgage Comment from : group1 h |
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Who do they have to make things so complicated Why can’t it just be simple Oh wait They want to confuse the normal person Federal needs to mark it a mandatory one scoring standard Comment from : carcrasher89 |
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Extremely informative 🔥🔥🔥 you’re not going to find many videos on YouTube this jampacked full of helpful information in under 15 minutes 😎 Comment from : So Elaborate |
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Just another way to discriminate credit scores that is! Comment from : Willie Thomas |
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My head hurts after watching this Comment from : Bradley Jordan |
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Most of credit cards have low limits and I have never been late I got my first card 04/2019 I have 7 cards now I'm allway's getting those shab cards m score was mid 700's bt it's bid 600"s because I carry balances What should I do to get a much bigger limit Comment from : William Tucker |
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My credit karma score says 723/732 Got a discover it card this week In the paperwork that came with the card it said my FICO score is 769! I thought my real FICO score would be lower than my vantage score Go figure Comment from : Daniel Bell |
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Credit karma is fake no company uses it Comment from : Pat Peacock |
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Amazing i hope you keep it up! Comment from : lors9 |
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This is the only time I think we need government regulation or at least a credit score standard Comment from : M Teevie |
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Do any lenders even use Vantage 30? Comment from : mark moses |
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None of them are ever correct Everything is not being reported Comment from : Divinely Guided Blessings |
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Scam brAll this is a scam 😮 Comment from : Li Qun |
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its all bullshit went to a bank just to see my morgage payed off no car payment 1k in credit cards720 so called score wanted to borrow 5k mind you automatioatick payroll each week out of my check its all about how much the bank can return in intwest , so again no mortage none car payments we have 3 all paayed off went to ESL federal credit brockport nybra rep chewing gum hating on all the documants i show long story short just save as much as you can and omit the banks ps Canada national bank charges a 6 dollar a month matinence fee? even aftret i deposited a 10k checvk any way in 1 day my credit went from 726 to 684? lol fuck the banks please excuse me language and do the best you can paying cash nevermind your so called bullshit credit score,, miuus tyhe 3 whom have 800 or 100oscore dont mean shit love and have a blessed day xo ice Comment from : Mattie Ice |
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My FICO score is higher than my Credit Karma score 🤷 Comment from : Adam Moore |
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Credit karma for me is always a little lower than my Fico scores Comment from : Momo S |
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credit scores is a f'n joke! plain and simple Comment from : NICKI814 |
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My FICO 8 and FICO 9 scores are very different Comment from : Daniel Alexander |
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Wow, very informative! Comment from : John Pugh |
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We don't need none of this it's making the poor have nothing why would you need credit if you can pay cash? Man fuck this devil world! Comment from : Lamar |
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I may be one of the only ones whose vantage and Fico scores are almost the same Comment from : Eric Lang |
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Why does Citibank top out at 900 and all others at 850? Comment from : backcountry pilot |
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Thanks for the super informative video I never knew how all that worked Thanks! Comment from : Jimmy James |
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My brain hurts Comment from : Trezn |
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Love your videos man Do a review on the Venmo Visa credit card I’ve had it for sometime and it’s got lots of cash back I’d love to know your opinion man Thanks! Comment from : Luis Cordova |
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Hi Mark, I have MyFICO and I have all my credit scores for credit cards, mortgages loan, auto loans, and personal loans It’s been very helpful for me to know that I have a lot of credit scores that are correct Comment from : deborah anderson |
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Super helpful video! Thanks for putting this massive information together in a simplified way (wish the credit system worked this way 😉) Comment from : aadeorukhkar |
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I want to thank you for this video because I thought I was a loser for being so confused by all of the different scores Now I know that it is simply confusing! I'm going to stop worrying so much! Comment from : Chris L Robinson |
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Credit Karma is a weird place I love their card suggestions I have a pretty solid credit score and they have my chances of getting approved as “poor”… On three cards that I already have They keep pushing me on”guaranteed approval” with secured cards and Credit One garbage Amex disagrees with them, apparently 🥺 Comment from : Jonathan Scott |
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wish there was way more transparency and a whole lot less scores stacking the deck big time for the financial service companies and against the average person Comment from : 412foto |
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Hi Mark, great video Just wondering if you have a video on the Citi Bank Rewards Plus Card? Comment from : Andrew Abud |
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My AMEX (BCE) shows me my experian FICO Just go to y account and scroll down to my fico score Comment from : Kane B |
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Can you please tell me what CRAPitalOne use for Credit Score My Fico 8, 9, Vantage and Karma scores are all 760 and above but when it comes to scoring system from CRAPitalOne they show me less than 700 Also I did their pre-qualifier and I'm approved for One card which is Platinum SECURED Card - lol Comment from : LeftOvers2Go |
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Fabolous sir Comment from : Marites Taylor |
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Jefferey do you use myfico? To pay for your scores? Comment from : Brandon |
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I Noticed from different credit scores too but it's never more than 10 to 15 pts different some higher sometimes a little lower so I pretty much figure my overall is in about the middle But great video it explains alot about all the difference in credit score out there Comment from : Luis W |
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The only one that seems to matter is Experian Fico score They rest are trash basically They never get hit on applications except for Experian Comment from : Todd |
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This is such a valuable video brIt can be confusing to understand all this, so unfortunate it’s not taught In school , anyways thanks for the information 😎 Comment from : alyvia granillo |
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Best video of all times can you do one o getting to high 7s or 800 Comment from : Gene1984 G |
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very well done👋🏾👊🏾 Comment from : NubiaRising |
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Good one Mark Amex gives a fico and a vantage now Comment from : Jordan |
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All credit scores are accurate as they are measuring your credit worthiness using that particular algorithm Mortgage loans will start using Vantage 4 and FICO 10T soon Recently, the Federal Housing Finance Agency (FHFA) announced the approval of two new credit scoring models, the FICO 10T and the VantageScore 40 for use by Fannie Mae and Freddie Mac (the GSEs or Enterprises) Lenders will have a few years to implement use of the new models before being expected to report both scores on loans sold to the GSEs Thanks for the video and info 👍 Comment from : Cesar Joel |
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Both scores on credit karma jumped 33 points each Credit karma couldn’t tell me why 🤦♂️ Comment from : Jeffrey Platt |
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Mark - This Fico credit game is confusing and so many different scores and so difficult to get that 800 It should be based on payment history and get rid of the other factors Comment from : dbest47 |
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👍🏻 Comment from : SOXGATORS |
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