Middle score
691
Review
PMA Suite Calculator
Credit Calculator
Guest credit education and simulation workspace with consent gates before any provider connection.
Credit Calculator
Suite Calculator / consent-governed credit
Score Intelligence
Compare consumer, bank, and tri-merge source differences without converting score models.
Credit data shown here is local study data unless a verified provider report is attached through an approved connector. Simulations are estimates and must remain separate from verified observations.
Sources
3
Consumer, bank, and tri-merge rows remain separate.
Model rule
No conversion
FICO, VantageScore, and bank models are not interchangeable.
VantageScore 4.0
The credit report did not provide a VantageScore 4.0. No number is shown (never fabricated); excluded from all decisioning.
NAUnavailable
Scores by source
| Credit Karma | VantageScore 3.0 | 712 | 705 | 720 | 712 |
| Bureau (tri-merge) | FICO 5/4/2 | 688 | 691 | 702 | 691 |
| Bank (Chase) | FICO 8 | 700 | Not reported | Not reported | 700 |
Payment history
No late payments 24 mo
Credit utilization
38% — pay down to <30%
Age of credit
Avg age 6.2 yrs
Derogatory marks
0
Hard inquiries
3 in 12 mo