Profile picture for StephenFortin

karma.com says my credit score is 632- is karma score a responsible credit agency

can i get a VA loan with that score?
  • April 27 2012 - Saint Johnsbury
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Answers (2)

Profile picture for StephenFortin
hi- thank you for your reply- my wife and i both have w-2 provable income.mine is from disability payments from SSI and the wife makes about 30 k a yr.  we have been getting car loans for the last 5 yrs or so with 100 % on time and pay when suppose to and we cannot understand why our score is so low
  • April 27 2012
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Karma is pulling information from a credit bureau and calculating a number close to the FICO score.  The FICO score may be lower or higher which is the number the bank will use.  Karma is a great free option to get your credit report.  With your score, I would suggest that you look for errors and try to bring your score up before you apply.  Karma should suggest ways of bringing your number up.  You may be eligible for some loans with a solid w-2 income but at higher rates.  
  • April 27 2012
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