I've finally decided to take on the credit reporting industry because they have pissed me off and all the silly ass nonsense rules they have about "scoring" your credit, and the bullshit commercials on TV. What the fucking CRA's (credit reporting agencies) that run Credit Karma and Credit Sesame don't tell you is that the credit score you see on those sites, and even the credit score you see if you pay for it is totally worthless. And the same goes for the FICO score you get from MyFico. Because none of them will be the same as the score that your lender pulls up. And the score they pull up will be worse than the one you pull up. Why? I'm just guessing here, but I figure it is so they can charge you higher interest rates. A couple of weeks ago, I ran up my credit card to 70% of it's limit with a big item purchase and that dropped my credit score down 70 points on all three. And when I paid the balance off it raised 70 points on Experian and Transunio