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cushman76020

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falsie credit score
real score is 80 points lower than you say

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Credit Karma uses Vantage 3 scores.  Most credit card lenders use FICO 8 scores.  Most mortgage lenders use FICO 4 scores.  Many auto lenders use FICO 8 Auto scores.  A few lenders have adopeted the new FICO 9.

Your "real" score is whatever score the company you applied for credit uses.  There are hundreds of them, and even FICO has over 50 different scores they offer, but most major decisions today are based on either the FICO 4, FICO 8, or FICO 8 Auto.  

The reason Credit Karma doesn't use FICO scores is fairly simple... they are expensive.  However, if you really want to know can buy your current  FICO scores for the 3 major credit bureaus from FICO on their MyFICO website for $60.

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