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Bearhnt1

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Citi bank card Transunion credit score 100 point lower than Credit Karma
The Transunion score my Citi Bank card gives me every month is just over 100 points lower than the score Credit Karma is giving me for the same period.

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CK needs to change their model

The answer by "Tryingtounderstand" is just plain not helpful. Credit Karma needs to change their model to that used by lenders. I understand that there are a variety of models or scoring schemes. But CK scores are consistently too high by 100 points. CK can and should do better. It is a poor service to users to mislead them to approach a lender with wrong information.

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There are many different versions of credit scores, the only scoring system that really matters today (because the majority of lenders use it) is FICO. Focus on your fico scores and ignore the rest.

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