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)?

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

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

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Also thank you fishbowl fam for the quick replies!

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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.

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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

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