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2getbackinthegame

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how does credit karma compare to the 3 credit score companies
i applied for credit because credit karma said my score was 640, but when i got rejected, the score reported on the denial letter said i had a credit score of 597.

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Although the score you get here comes from TransUnion data, it's not a "real" FICO score, but what they call a FAKO score. It's useful -- but only as a personal guideline.

For many of us, it's very close to our real scores. But for some, it can be off (in either direction) by as much as 100 points.

I don't know which credit bureau gave you the score of 597. But it's perfectly possible for one individual, with the same data, to have FICO scores of (for example) 640, 659, and 597 from the three bureaus. It's also possible that all your "real" scores could be lower than the one you get here.

If you're ever applying for BIG credit (e.g. a mortgage or a new car loan) it's a good idea to get your real scores from either myfico.com or Experian so you'll have a better idea where you stand.

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