{ "media_type": "text", "post_content": "Anyone know why my credit karma score and my credit score on Amex is different by 80 points? Which one is more accurate? (And is my Amex score impacted by my corporate card)?", "post_id": "57b63dbdd09667130089d76e", "reply_count": 14, "vote_count": 0, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Anyone know why my credit karma score and my credit score on Amex is different by 80 points? Which one is more accurate? (And is my Amex score impacted by my corporate card)?

Posting as :
works at
You are currently posting as works at

Last I saw, credit karma does not have true FICO scores, they use their own formula to approximate. I would trust the Amex score.

like

Hmm then no sure why it's so much lower. Missed one payment 2 years ago and that's been it. :(

like

Also thank you fishbowl fam for the quick replies!

like

Credit Karma uses Vantagescore, which tends to score higher than FICO despite having a 500-850 range. It's less sensitive to inquiries and paid collections.

like

Likely different agency scores, i.e Transunion vs. Equifax

But my credit karma has both of those all at the higher number

Credit karma was not accurate for me. Paid for reports from 3 bureaus to confirm, and it was wrong

If you are curious, pull your reports on myfico.com, they give your score in a few different FICO models and you can see what might be impacting your score

Your company card doesn't impact your credit. Unless you miss payments maybe.

Nope it doesn't impact your credit score. What it does do is impact your internal score with Amex. So getting an Amex in the future for personal use will be more difficult

Hmm yeah... I miss a lot of those expense report. I just want to make sure I can get the new sapphire preferred card on Monday haha

I would recommend treating credit karma like an approximate ballpark. The ding from a missed payment from two years ago makes sense, believe it or not. As you gain more years of credit history, it will impact it less and prob have zero impact a solid seven years later. This is all from my own anecdotal experience.

So is credit karma usually higher or lower than actual?

The different companies pull info from several sources during different points of the month. It all depends on a ton of different factors so credit karma isn't consistent higher or lower but is a reliable ballpark estimate

Related Posts

New to points travel. Planning to book Ritz 5 nights for 200k but have only100k Marriott pts. What's the best way to earn the rest before September? Also, anything I should about booking for ritz?

like

If this new plan to raise minimum pay for some industries in order to file for and H1b goes through, what are some other VISA options that will allow people to work here in the states? Particularly for those who are not from Canada and Mexico.

like

Has anyone had SPG points deposited into their account for stays that happened weeks or months ago (and were deposited correctly at the time of stay). Not complaining, anyone else double dipping?

like

TFW your parents say they don't know where you live so you book them into a Westin on points. Welcome home, mom and dad

like

Snoo users: what has been your experience weaning babies off the snoo? Does its weaning function work? Any other tips or caution points?

like

Thank the lord for Rodgers and Adams. They might just have pulled through enough for me to win the chip. I just need Buffalo D to get less than 11 points and the chip is mine

like

This morning I was missing all my SPG points and reservations, then all was fixed when I checked at 1:00.. . and now it’s all lost again. And somehow I’m platinum elite with maybe 30 nights last year

like

Anybody sign up for Altitude Reserve/will sign up in the next few days? Curious on more data points beyond r/churning

like

Start ty Johnson or chase Edmunds? Half ppr

Really getting smacked with LinkedIn “so proud to announce..” posts this morning. Do you get extra points or something if you parlay your achievements into one post and also post a logo of each brand name?

funnylike

Does it make sense to renew a Chase Sapphire Preferred this year?

like

What are your thoughts about the H1b visa extensions on their way out. I see that although there is plenty of local talent available these are being used to get in cheaper labour from India and China.

like

This has probably been brought up before, but has anyone left big consulting for a startup boutique firm? Thoughts, comments, points of concern?

like

Anyone recently submitted form to extend their parent's stay on B2 visa beyond approved 6 month. Is it mandatory to submit updated return ticket I that application

like

How often is complaining for points too often?

like

got a job offer in Canada.currently based in the US. company has started the work visa process, what are the chances of it getting approved? They said the process takes 4 to 6 weeks. Top 10 tech firm

like

Fun fact for those that are lending USDC stablecoins: apparently, one of the perks of the new BlockFi rewards credit card is that they add 2% to your yield. 7.5% + 2% = 9.5% interest Let's hope their engagement with the state of New Jersey goes well.

likesmarthelpful

Any restrictions on baggage allowance if you book your ticket with reward miles for American ? I am platinum. Just learnt last week that upgrade was not possible because I booked through points.

like

My company filed an AOS to extend my visa and change it from L1B to L1A. I have all the prereqs being a manager both in my country before entering the US and after. Last Friday I received a message saying USCIS is sending me an RFE. Can anyone tell me based on experience what type of evidence they could be requesting?

like

if i book using points, are they counted as the # of nights required to become gold/platinum the following year?

like

Additional Posts

I’m graduating with a masters in finance this fall. I just accepted an offer with Unilever as graduate finance intern. The problem is, i feel that I may be making a career mistake by entering the industry without having banking/consulting experience first. I’m just not sure if having that background vs. this career path with get me to a higher level in the long term. The FT offer will be an AFM. Prior to grad school, I worked 1 year in sales, 2 years in WM, and have a bachelors in economics. TY

like

Is this a joke?? So business students are really not interested in MBB any more… these rankings make me doubt all these stats that companies gives out… and to top it all ppmds repost these statistics on LinkedIn.. what have we all learnt from our consulting days

Post Photo
funnylike

New to points travel. Planning to book Ritz 5 nights for 200k but have only100k Marriott pts. What's the best way to earn the rest before September? Also, anything I should about booking for ritz?

like

Poll: do your work clothes still fit? Do you know where they are? Do they smell from being stashed away for so long? I think I’ll need a new wardrobe

like

Recently started in Deloitte’s M&A strategy consulting practice. One of very few without an MBA, and everyone has top tier business degrees. Do I need/should I go get one to match the training/connections these people have presumably acquired from their programs? Am I disadvantaged without from broader exit opportunities?

like

Any producers who switched from agency to brand side? How has it been? And what company or city are you working from (assume no COVID/remote work)?

like

I have completed my Masters in Zoology in 2017. From 2018 I started working in Medical Coding field. Is there any relevant openings that matches my qualifications and experience ?

like

Well I came in at 67% of quota. Did yall crush it? Or did yall have a bye-year like me?

like

Hey there! I just got an offer for an IFS position in risk and quality. Anyone know the average work hours per week?

like

Got selected in EY TTT as Tax senior for Test automation role. In TTT do we work for clients or we work in internal IT Applications for Tax

like

Does PwC offer salaries based on location? Would they offer a higher salary for NY as compared to TX for the same position?

like

If this new plan to raise minimum pay for some industries in order to file for and H1b goes through, what are some other VISA options that will allow people to work here in the states? Particularly for those who are not from Canada and Mexico.

like

What’s the best tour to visit the antelope canyon from Las Vegas?

like

Help! Starting mba in Jan and I want to quit work on dec 10th. I’ve only been at my current firm for 5 months, should I tell me in advance that I am quitting for bschool for wait to give a 2 week notice? Scared they might ask me quit earlier if I tell them now…

like

Who left consulting recently due to Up or Out culture? Did you change your mind about Up or Out post COVID?

likefunny

I have an offer from MBB for the ME. Would have to relocate from North America and am considering the offer. What's culture and work like in the region?

like

My company Qualitest India has a lot of openings for Manual and Automation testers/DEVOPS/ETL and other roles for India and even abroad. Please check https://qualitestgroup.com/careers/open-positions/#open-positions and contact me personally with suitable job id from the link above. I will try to refer. Note: I am not a recruiter. I work there as an Engineer and just trying to help people. 😊

like

For those that quit big 4 about 5-10 years ago as a senior, are you regretting your decision for not staying longer? I’m trying to figure out my long term plan...

likesmartfunny

Currently in NYC, considering another Sr.CW opportunity in Chicago. What’s a realistic salary range?

like

Maybe interviewing for an experienced manager position with EY TAS. Looking to get a sense of goals/metrics for managers moving to senior manager and also just general positive/negative feedback.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal