I DID NOT think that Credit Karma score was real until I applied for a car loan

I had a 720 on Credit Karma for like a year and I was totally sure it was fake. Like, I figured they just make up a number to get you to sign up for their ads. Then I went to a local credit union in Austin for a used Honda loan and they pulled my actual FICO. It came back at 698 which is close enough I guess. Has anyone else had that moment where you trusted an app and it actually worked out?

1 comments

1 Comment

xenar146h ago

Wait wait wait, hold up. You're telling me your actual FICO was only 22 points off from Credit Karma's number? That's honestly way closer than I thought it would be, I always assumed they were just pulling numbers out of thin air lol. I had a similar thing happen with my score, only mine was lower by like 40 points which kinda stung a bit. I just figured Credit Karma was like a horoscope, entertaining but not real.