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skybear2009

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difference between real score and one shown here
I am in the process of repairing my credit. My credit karma shows that my score is 572 but Equifax says its only 498. What's the deal?

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Each bureau uses its own method to calculate scores.  Just remember that any free credit score you get (from anyone) is just a guideline, just a tool.  

In addition, not every creditor reports to all the bureaus.  So your TransUnion report may show 10 accounts, your Equifax may show 12 accounts and your Experian may show 15.  All depends on who the creditors want to report to (they have to pay the bureaus for the ability to report data).

The only scores that matter are the ones your creditors pull up when you apply for credit.  If you want a home loan, they use FICO.  If you want to know your FICO score, you can purchase it.  Just go to myfico.com and there is lots of good info as well as ability to purchase your FICO score.  

In addition, check out the Articles menu bar on the left, lots of good info there about credit scores.  Best of luck!

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