@maliktalksreal — 11x breakout selling Credit Karma

@maliktalksreal — 11x breakout selling Credit Karma | Overshot

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Why Is My Credit Score Different On Every App? FICO vs. VantageScore Explained An offer curated just for you Based on your 802 credit score $648,000 total credit limit Advertiser disclosure Earn crypto as a bonus NAVY FEDERAL Credit Union MISSION: CREDIT CONFIDENCE New Credit Report Details: Buy Now, Pay Later installment loans may now appear on your credit report. Dismiss Review Details Credit Score Score History 601 802 Excellent VantageScore 3.0 as of 08/19/2026 Update on 08/28/2026 NAVY FEDERAL Credit Union MISSION: CREDIT CONFIDENCE New Credit Report Details: Buy Now, Pay Later installment loans may now appear on your credit report. Dismiss Review Details Credit Score Score History 601 802 Excellent VantageScore 3.0 as of 08/19/2026 Update on 08/28/2026 Credit Alerts Offers Credit Summary Score History Experian. 802 Exceptional FICO SCORE 8 As of 08/19/2026 Learn how Score changes 0 pts Last updated 2 days ago Credit Alerts Offers Credit Summary Score History Experian. 802 Exceptional FICO SCORE 8 As of 08/19/2026 Learn how Score changes 0 pts Last updated 2 days ago AMERICAN EXPRESS Log Out Dashboard Credit Report Offers Resources Alerts Credit Summary Score History Experian. 802 Exceptional FICO SCORE 8 As of 08/19/2026 Learn how Score changes 0 pts Last updated 2 days ago FICO® Score 8 Very Good Updated on August 22, 2026 Your TransUnion Credit Report Check your most recent report, which includes your accounts and balances. New Sponsored Credit Alerts Offers Credit Summary Score History Experian. 802 Exceptional FICO SCORE 8 As of 08/19/2026 Learn how Score changes 0 pts Last updated 2 days ago Your FICO® Scorecard as of 07/28/2026 Based on FICO® Score 8 from TransUnion® data Your FICO SCORE 795 Very Good 798 06/27/2026 -3 Change Show Score History & Key Factors Total 29 Length 7 years Inquiries 0 Revolving 1% N/A Your FICO® Scorecard as of 07/28/2026 Based on FICO® Score 8 from TransUnion® data Your FICO SCORE 795 Very Good 798 06/27/2026 -3 Change Show Score History & Key Factors Total 29 Length 7 years Inquiries 0 Revolving 1% N/A Your FICO® Scorecard as of 07/28/2026 Based on FICO® Score 8 from TransUnion® data Your FICO SCORE 795 Very Good 798 06/27/2026 -3 Change Show Score History & Key Factors Total 29 Length 7 years Inquiries 0 Revolving 1% N/A

Transcript

ANYTIME YOU EVER ASK SOMEBODY WHAT THEIR CREDIT SCORE IS, THEY'RE ONLY GOING TO TELL YOU ONE SCORE AND IT'S TYPICALLY GONNA BE THE ONE THAT THEY DEEM THE MOST VALUABLE, WHICH IS PROBABLY GOING TO BE THE HIGHEST ONE. BUT MOST PEOPLE DON'T UNDERSTAND THE DIFFERENCES BETWEEN THEIR CREDIT SCORES AND WHICH ONES MAY BE MORE IMPORTANT THAN OTHERS. LET ME SHOW YOU WHAT I MEAN. JUST DIRECTLY BEHIND ME, WE'RE LOOKING AT THE CREDIT KARMA APP, WHICH SHOWS YOU TWO VANTAGE 3.0 SCORES. YOU'RE TRANS UNION AND YOUR EQUIFAX, AND IT'S COMPLETELY MISSING YOUR VANTAGE 3.0 EXPERIENCE. IF WE MOVE OVER TO THE NAVY FEDERAL APP, THIS APP IS SHOWING YOU YOUR VANTAGE 3.0, AND IT'S PARALLEL WITH YOUR TRANS UNION VANTAGE 3.0 SCORE ON CREDIT KARMA. IF YOU'RE USING THE CHASE APP TO LOOK AT YOUR CREDIT SCORE, YOU'RE GONNA BE LOOKING AT YOUR VANTAGE 3.0 PROVIDED BY EXPERIAN. NOW, ALL THE SCORES YOU WERE VANTAGE 3.0, THOSE SCORES AREN'T HEAVILY USED WHEN IT COMES TO LENDING LIKE CREDIT CARDS, AUTO LOANS, PERSONAL LOANS. THEY'RE NOT WRONG. THEY'RE JUST NOT USED PRIMARILY. NOW SWITCHING OVER TO THE EXPERIAN APP WHERE YOU'RE GONNA BE SEEING YOUR FICO SCORE EIGHTS, WHICH ARE PRIMARILY USED WHEN IT COMES TO ANY FORM OF REGULAR LENDING. AND NOT ONLY IS EXPERIAN SHOWING YOU ALL THREE FICO SCORE EIGHTS, BUT IT'S ALSO SHOWING YOU ADDITIONAL INDUSTRY SPECIFIC SCORES. AND DEPENDING ON WHAT YOU'RE APPLYING FOR, ONE OF THESE WILL POP UP ON THE PAPERWORK. IF YOU'RE USING THE AMERICAN EXPRESS APP, THEY ARE SHOWING YOU YOUR FICO SCORE 8 WITH EXPERIAN. IF YOU'RE USING THE CITY BANK APP, THEY WILL BE SHOWING YOU YOUR EQUIFAX FICO SCORE 8 SCORE. IF YOU ARE USING CREDIT WISE WITH CAPITAL ONE, THEY ARE SHOWING YOU YOUR TRANS UNION FICO SCORE 8 SCORE. IF YOU ARE USING THE DISCOVER APP TO LOOK AT YOUR SCORE, YOU TRANS UNION JUST LIKE CAPITAL ONE. SO INSTEAD OF JUST FOCUSING ON AS YOU'RE FAMILIAR WITH IT AND IT'S EASY FOR YOU TO UNDERSTAND, MAKE SURE YOU UNDERSTAND ALL ALGORITHMS. SO WHENEVER YOU'RE APPLYING FOR ANYTHING, OR MAY NOT BE, THE NUMBERS CONFUSED WHEN THEY LOOK DIFFERENT FROM ONE ANOTHER.

ANYTIME YOU EVER

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