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QuestionPosted in Credit Karma
I saw your post and wanted to address this common misconception. It's not true that you have one accurate credit score. You have dozens of credit scores because there are dozens of formulas used to calculate credit scores. They are all valid scores. Many lenders are starting to use new score models, like VantageScore, which is a model collaborated on by all three credit bureaus. In addition, most sophisticated lenders are using custom models which use more than a simple credit score for risk assessment.
We suggest tracking your score from one model over time, instead of comparing scores from different models. This will allow you to more accurately track your progress and financial health.
Disclaimer: Credit Karma provides general information about credit. This advice is not intended to advise about your personal financial situation. Consult a financial, legal or other professional adviser.
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