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Omega61

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why is credit karma credit score 40 points lower than actual credit score received from transunion

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Due to different scoring models most likely, there is no "actual", "real" or "accurate" scores. There are 100s credit scores, all of them are correctly reflectes what's on your credit report, it just weighted differently. Take inquiry for instance, to one model maybe is 3 points but to the next might be 5, to one model it might stop affecting your score after 12 month but to the next it might be the whole 24 months. There can easily be thousands up on thousands of these little variations between each score models. Always find out exact credit model that particular is score based on.

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