Not a dumb question at all.fred125 wrote: ↑Jan 11th, 2018 12:29 pmMight be a dumb question, but is TransRisk the score provided by Credit Karma?
I just had a new credit inquiry on Credit Karma and my credit score from 817 to 763 between Jan 5 and 10. What explains this? Is this the TransRisk score I'm getting from Credit Karma?
Indeed the score you get from Credit Karma is TransRisk, and you’re not the first, and won’t be the last, to experience extreme credit score drops with that model.
Good news is, you don’t need to pay attention to that score at all.
As @DebitsOnTheLeft mentioned, just use CK to verify the contents of the report are correct, and just ignore the score altogether.
You’ll know your credit is in bad shape when you begin to get declined for credit on a constant basis.