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Question By
SpikeTDog

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Why does my credit score vary from CreditKarma and my bank, though both use TransUnion?
Credit Karma shows using TransUnion a score of 731 while CapitalOne shows a credit score of 665 from TransUnion.

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Top Contributor
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It is that they use different ways of calculating the score.  I don't know what the bank uses but Credit Karma uses the Vantage 3 matrix for both the Transunion and Equifax scores for use on this site.  None of them are wrong, either.   

Top Contributor
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As said, different scoring models are used. Unfortunately the scoring models used here and for the score that you get from Capital One are not FICO scores. FICO scores should be watched, because most lenders will use a version of FICO. Whenever you are given a credit score, make sure that you read the fine print of what model and version that it is.

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