I have been using CreditKarma the last few months and my Cap One Tracker, I know they are FAKOs but they had me at 615 and 613. I broke down and ordered Equifax and Transunion reports today from FICO and as was shocked they were 652 and 679!! My credit is better than I thought, still a ways to go but so much better and gives me hope I will be in the 700s by Christmas!

Score Comparison

Non-FICO Credit Score


615 from Transunion

Obtained from Credit Karma


679 from Transunion

Obtained from myFICO