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jbblair

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why are only two of the three credits scores provided and not all three?

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First off there are alot more then 3 Credit Scores. 

You should be asking Why does CreditKarma only show information from 2 of the 3 Credit Bureaus ( 4 if you include LexisNexis )

Each of the Credit Bureaus have 20 or more different Credit Scores based on the Credit History they have collected on you. So with that there are at least 80 different Credit Scores.

Now CreditKarma is giving you the VantageScore 3.0 Credit Score.  ( NOT your FICO )    The VantageScore 3.0  Credit Score Model is used by the Big 3 Credit Bureaus.  If they had the SAME information on you each would report the same VantageScore 3.0 Credit Score.   BUT that is almost never the case as each of the CreditBureaus have different information based on who supplies it to the Credit Bureaus.

 So you have LOTS of Credit Scores not just 3.

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A couple of years ago when I joined this site, the only credit bureau that provided any input was Transunion and, to get the others, you had to go to their site and pay a fee.  The purpose of this site is to teach people about credit and how to use it wisely and the credit score here has been just a close appoximation so each of us could see what certain financial actions did to our score. I appreciate the things I have learned here and don't worry about my credit score because of the education I received from this site.

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