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Annual_Fishing_9883 t1_jdtvgpj wrote

Reply to comment by TwoWrongsAreSoRight in Preparing to buy our first home by [deleted]

I noticed the complete opposite. Credit karma had me at a 780 but when I bought a few new cars in the last year, when they ran my credit, it consistently came back with over 800. One was even 828 when karma was reporting 770.

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TwoWrongsAreSoRight t1_jdtw2ss wrote

Yeah, I've ran into that with auto lending as well when I purchased my last car. However, that's one of the only things I've ever seen that with. Another thing to consider is that sometimes car loans only use one credit tracker so your score will be based on the data they have. I don't know the reason for this other than possibly cars are easy to repo and resell at auction.

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Annual_Fishing_9883 t1_jdtwl1y wrote

Well since cars are the only things I tend to borrow for, I’m ok with it then..lol I believe they pulled trans union for my last loan that was a month ago. Karma had me at 780. Their sheet showed 815..I’ll take it! Lol

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chadbyron t1_jdu89j2 wrote

Same, always been the opposite for me. 20-40 points highers when I get the copy of a credit app

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