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Why did Credit Karma change scoring models?

We are always working to improve our members’ experiences with their finances here at Credit Karma. That is why we decided to upgrade to a different scoring model used by TransUnion to calculate the scores you see on our site.

The new and updated model that we recently adapted with TransUnion is called the CreditVision Risk scoring model. This new model results in a score that is calculated through trended data and information over the past 24 months instead of the traditional model that calculates your score based on your credit status at the exact moment the in time that the lender accesses your credit report. Plus, it’s a more widely used scoring model by lenders.

Because this new scoring model uses the credit decisions you’ve made over time and not just the latest credit records, we are able to display a better picture of your credit. Come check out your new CreditVision score and report by signing in here

You can learn more details about the CreditVision Risk scoring model here.

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