是啊 他说了 是simulated
I received a credit score from another service and it was different. Why is
that?
There are many, different types of credit scores available from different
lenders, credit bureaus, and credit score providers. The three major credit
bureaus each offer their own brand of credit score, such as TransUnion's
TransRisk score, based on their individual proprietary models for
calculating a credit score. Each credit score model derives information from
your credit report as provided by that particular bureau, and credit report
data can also vary from bureau to bureau. Additionally, independent
companies such as Fair, Issac and Company and its FICO score, distribute
their own credit score based on their proprietary model that takes into
consideration credit reports from all three major credit bureaus. Credit
Karma provides the TransRisk New Account Score, VantageScore, and Auto
Insurance Risk Score from TransUnion.
The common thread among all credit score models is that they are a
measurement of your creditworthiness, each with their own scale, factors,
and credit report data taken into consideration. It is hard to say which
model is superior, but picking a single credit score model and tracking it
over time will help you understand and manage your credit health. This is a
significant reason why we encourage you to come back and check your score
often at Credit Karma.
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What is the difference between the credit scores offered on Credit Karma?
Credit Karma provides users with their TransRisk New Account Score,
VantageScore, and Auto Insurance Score as supplied by TransUnion.
The TransRisk score is calculated by TransUnion using their proprietary
scoring model and is the original credit score provided on Credit Karma.
The VantageScore is calculated by TransUnion using the VantageScore model,
developed jointly by all three major credit bureaus. This model introduces
the first, consistent scoring methodology shared by all three bureaus.
The Auto Insurance Score is a numerical measurement of the risk a consumer
may pose to an insurance company. This score is calculated from data derived
from a consumer's credit report.
Please see our News section to read more about the VantageScore and Auto
Insurance Score.
