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chocolatelegz

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Why is Credit Karma credit scores appear to be higher than your score actually is?

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The scores provided on here are Vantage scores. Most lenders use Fico scores.

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So in reality these sites are worthless

 According to Equifax my score is 745, Experian 750, Trans Union 730 and the Vantage score is 775. And yet when we went to get a RV loan the lender claims the score is 630. Not from bad credit history but because we do not have any debt other than a car payment. It doesn't make sense. 

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