Police arenât celebrities, so theyâre not always used to being photographed in public. So even if youâre recording at a safe distance, they might approach and ask what you are doing. Avoid saying things like âIâm recording you to make sure youâre doing your job rightâ or âI donât trust you.â.
Credit Karma is accurate in the sense that it gives information about the data in a credit report and contains the latest information reported by creditors to the TransUnion credit bureau. Information is sometimes outdated when creditors have not recently updated a credit report. On the other hand, Credit Karma is not accurate in terms of FICO credit score, which is the official score most often used by creditors.
Credit Karma switched from Vantage Score 2.0 (scale 501-990) which is why everyone thought they had high credit scores. Now they have switched to Vantage Score 3.0 (scale 350-850) which is more in line with FICO, and closer to your real FICO scoreâwhich was the case for me, 728 Credit Karma, and 725 FICO.he three credit agencies hope their own credit score model, the VantageScore, will become a viable competitor. 1  In March of 2006 the first version was launched. 2  In October 2010 the second version â 2.0 â was launched. 3  In 2013, the score switched to a 300-to-850 range with its 3.0 model to more closely follow FICO.