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edco1ent

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Why do creditors get different scores than I do?

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The score you see here on Credit Karma (CK) is generated using what is called as Advantage.  It is an educational score.   The creditor probably uses "FICO" which is considered standard.  There are dozens of FICO variations and in addition to the different FICO scores, the creditor places their own twist on the score depending on whats more important to them.   As an example, one creditor may place a higher emphasis on your Utilization.  While another creditor may place a higher emphasis on your total debt.  While yet another may give higher value to mortgage and auto debts then others. If you have credit cards which provide FICO scores, you will see that each probably offers you a different score.   A general rule of thumb is to average all the FICO scores you get from various places and you'll probably be closer to your actual score.

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