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CaiConAnd

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Difference between Credit Karma and Capital One Credit Tracker
Just curious as to why my scores are drastically different. Credit Karma is reporting my TransUnion score as 655. Capital One Credit Tracker is reporting it as 607. Obviously I want it to be the 655! What is the difference between the two TransUnion scores and which one do lenders see?

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Top Contributor
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You always need to consider the specific scoring model when referring to scores.  Credit Karma provides a TransUnion VantageScore 3.0.  Capital One's Credit Tracker was providing a TransUnion New Account score.  However, if I recall correctly they also recently switched to VantageScore 3.0.

However, even when the CRA and the model are the same the scores generated can differ if the report data changed sufficiently in the span of time that the two scores were generated.

There isn't just one scoring model used by all creditors and all products.  There are many models used by creditors.  You cannot assume that you can just rely on a single score.  Some creditors use a VantageScore 3.0 but most use one of the FICO models.  None of them use the TransUnion New Account score.

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