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mauiiiiii

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why is credit karma score lower than other free credit scores
Score from Sam's club based on TransUnion is nearly 100 points higher than Credit Karma's TransUnion score.

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because you actually have over

300 different credit scores. Thats how many credit scoring companies there are in the US.  Banks, Credit unions etc,  all have their own credit scoring as well. 

Your scores also change every time you use a credit card and everytime you make a payment to your creditors.  It all depends on what time and day the info was pulled to produce that score.  These scores  are  often based on outdate info. It can take upto 90 days for info to be updated across all credit scoring sites.

Your most acurate score is the one that is pulled at the time you apply for credit or a loan. These will usually update all accounts as of that moment in time.

 Use you credit card to buy a latte on the way home and your score has changed again....

Hope that helps

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