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Born2winz

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Credit karma shown my credit score above 700, however credit check total shown 580 wth???

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You are comparing apples to oranges.   Credit Karma does not use FICO to compute the credit score you see here.  Credit Karma uses the Advtange formula which gives higher priority to the most current 2 years.   You need to find out which scoring system Credit Checl total uses.  is it FICO 1, 2, 3, 4, 5, 6, 7 or 8 or is it their own formula.   There is no "true" FICO score.  Every credit company applies their own twist to their scores based upon the factors that aremost important to them.  Just like your credit cards which give you a FICO score, it is again their version of the FICO formula.  

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faidros

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The only true way to know your FICO score is to pay the credit bureau their fee for your FICO score.  Even then, its their score and not one necessarily that that a creditor would use.

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