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Inmytree74

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CK is useless for tracking your score unless you subtract 40 points. Then you arrive at the actual #

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Credit Karma does not use FICO to determine your score, it uses Advantage.  Even FICO scores are as different as the number of persons who compute a score on you.  They can use standard FICO computations or they can adjust depending on how they set their calculation up.   CK is only a tool to help you manage your credit.  They give you all the information that is on two bureaus report.  I belong to 3 other companies like Credit Karma and have 6 credit cards.  Yes, I have 10 different scores.   Its just data.

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