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ladur

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Why is credit karma scores different from the banks credit score?

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Different scoring models and/or CRA's.  You cannot assume that all credit scores are the same.  You must consider the specific model and CRA for any score.  Different models use different algorithms so you cannot use a score generated by one model to determine a score generated by a different model.

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Additionally, Credit Karma provides VantageScores based on TransUnion and Equifax.  Most creditors use a FICO model.  There are also creditors that use Experian so Credit Karma's will not be relevant in such cases.

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