Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
Credit Karma score is way higher than Experian score. Why is that?
Credit Karma is 100 points higher than Experian Score just pulled as part of a credit card application. Why is that?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Page 1 of 1   Previous | Next
7 Contributions
21 People Helped

There is no "CreditKarma score"

CreditKarma just shows you your scores from two of the 3 major credit reporting agencies; they do not provide any score of their own.  There can be vast differences in the way scores are calculated, most often VantageScore vs. FICO.  While you can't get your FICO score from CK, many bank accounts & credit-card companies provide it to you for free.

Top Contributor
21635 Contributions
6123 People Helped

Helpful to 0 out of 1 people

You just joined, so need to take the time to read the articles and other information on this site so you can learn how credit really works, and how to improve yours.  The reason for the differences is different methods of calculation and t here can be even hundreds of methods, resulting in so many score variations, as you will learn.  Providing this information for your credit education is the purpose of Credit Karma.

Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.